A growing number of Australian homeowners are making bold renovation choices that could end up costing them thousands. While the goal is often to create more space or add modern features, experts warn that certain trends are leaving properties uninsurable and slashing their market value.
One of the biggest culprits is garage conversions. Turning a garage into a bedroom or home office without council approval might seem like a smart way to add living space, but it can void your insurance policy. If a fire or flood occurs, you could be left footing the entire repair bill.
Another risky move is removing load-bearing walls to create open-plan layouts without proper engineering certification. While open spaces are popular, cutting corners on structural work can lead to safety hazards and make it impossible to get building compliance certificates, something buyers and insurers demand.
DIY bathroom and kitchen upgrades are also on the list. Installing new plumbing or electrical work without a licensed tradesperson can result in leaks, electrical faults, and hefty fines. Worse still, insurers often refuse claims if unlicensed work is discovered after an accident.
Even outdoor projects aren’t immune. Deck extensions and backyard studios built without permits can trigger council penalties and reduce resale value. Buyers are increasingly wary of properties with unauthorised structures, fearing future legal and safety issues.
Experts say the solution is simple: check local regulations and get approvals before starting any major work. Skipping paperwork might save time now, but it can cost you big later.
