Common DIY work undertaken by the public includes tasks such as painting and bleeding radiators, as well as bathroom renovations, fixing a boiler and rewiring electrics.
It was also revealed that 47 per cent of homeowners do not inform their insurer of their plans to make home improvement work.
Steve Gilbert, Zurich's technical underwriting manager, said: "It's a good idea to call your insurer to check that you are covered in the event of DIY going wrong, and certainly to make sure that any structural changes won't void your policy."
Previous research by Zurich found that 37 per cent of private renters do not have contents insurance.
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