I have travel insurance cover by way of an annual policy, not just for if I were to get ill but as you say I work on the house and the roof plus trees so I am covered at least up to the point the insurer is supposed to pay up!
With the caveat we are talking about insurance companies here 
Supposed to comes into the conversations a lot with insurance companies.
Here’s some light reading Susannah 
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There was the EHIC and now there is the GHIC, though “Global” is an exaggeration of Johnsonian proportions. I wouldn’t bother with travel insurance within the EU or UK but in the States or futher afield definitely. It’s just wise IMO to choose your provider carefully.
I previously haven’t since living in france, but going further afield (not that I’ve done that recently) I’d be more concerned about repatriation.
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I agree.
hum house build repair and even maintenance may turn out to be excluded by the insurance cover as not a normal holiday activity… maybe even if not specifically excluded in the wording… Real lawyers on here may know better, of course 
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