Do I need to tell insurance about renovations?

Do you need to tell insurance about renovations in Australia, yes you need to tell building insurance $1,200 to $1,800 per year for $500K building and contents $300 to $800 per year about renovations over $10K to $20K or structural work, as failure to disclose may void policy and claim denied $10K to $500K, with renovations increasing rebuild cost $500K to $600K and risk, requiring sum insured increase $100K and premium increase 10% to 20% $120 to $360 per year. You need to tell insurance about renovations including kitchen $15K to $50K, bathroom $10K to $30K, extensions $50K to $200K, structural changes $20K to $50K and roof replacement $10K to $30K, as renovations increase building value $500K to $600K $100K increase, increase risk during construction with theft, fire and water damage $10K to $50K risk, and may require vacant cover if you move out $100 extra, with insurer needing to update sum insured $500K to $600K and premium $1,200 to $1,440 increase $240 per year 20% for $100K extra cover. For example, you renovate kitchen $30K and extension $100K total $130K, building value $500K to $630K, you must tell insurer before work starts, insurer increases sum insured $500K to $630K and premium $1,200 to $1,500 increase $300 per year, plus may require builder insurance $500 and public liability $20M during construction. If you do not tell insurance and fire destroys renovated building $630K, insurer may pay only $500K sum insured leaving $130K out of pocket plus claim denied if non-disclosure of structural work. So yes you need to tell insurance about renovations over $10K to $20K or structural, as failure to disclose may void policy and claim denied $10K to $500K, with renovations requiring sum insured increase $100K and premium increase 10% to 20% $120 to $360 per year, so notify insurer before work starts with plans and builder details.