Some insurance companies have that policy. I think it's because i'am doing it up and not always here, other insurance companies set a financial limit. They ask what you plan to do to a house and how much it will cost, if it's over a certain amount they will not insure you. One insurance company wouldn't insure the house because I said I was planning to change the kitchen. It's a minefield you've got to ask questions and read the small print.Must say that's a bit harsh even a professional can't do work.