With mounting economic pressures and growing concerns about the environment, an increasing number of homeowners are making green improvements to their home. However, they must be vigilant to avoid leaving themselves under-insured.

Research by Halifax home insurance found that around one in ten homeowners use reclaimed and green materials when making home improvements, while nearly two thirds are considering using them in the future. Regionally, those in the South East are the most eco-conscious with more than one in ten of all home improvements made with reclaimed materials.

Worryingly however, 52 percent of those surveyed admitted they would not contact their home insurance provider to see whether or not they are covered for the changes they make. This could leave them out of pocket should any problems occur.

It's vital that property owners check their home insurance covers them for the items they use. Some will cover wind turbines and solar panels for example, but others won't within their typical policies. Indeed homeowners must also ensure they request planning permission before installing wind turbines or solar panels as there are strict rules that must be adhered to.

If you are looking to go green then there are certainly plenty of options available to you. Check out charity shops and reuse schemes to find furniture or to dispose of unwanted items. When buying products ensure they are durable and can be used again and again and visit your local reclamation yard to pick up a bargain. The internet is a great resource for green ideas and Government grants are available if you plan to install specialist equipment.

While going green is to be encouraged you must ensure your home insurance covers your alterations or what is meant to be a money saving project could prove very costly indeed. You can compare home insurance online if your policy isn't sufficient.

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