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Insurance and your home renovation



  home renovation insurance

Insurance and your home renovation

The home is where life happens. This is where you grow up children, host family gatherings and live your life every day. Renovating your home can be a big deal. Protecting your home during and after improvements is important. Having insurance can help you if something unexpected happens. Before you start your home renovations, learn how your insurance can affect your home renovation project.

Read about your current homeowner policy

Before you start a home renovation project, make sure that your current homeowners insurance still covers you during a renovation. It is a good idea to call your insurance agent for double checking. You can also discuss your specific project so they can advise you on proper coverage. It never hurts to double check! You should also ask about your coverage limits. When you renovate, your home insurance limits go to

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Making Your Home Bigger

Increasing the size of your home through a supplement can help with your life . But just remember that by increasing the square footage of your home, you are also increasing other costs. You need to let your insurance company know that your home has grown. A larger home is usually more expensive to repair if something unexpected happens. Keep these cost factors in mind when planning your renovation. You may also need a cost estimate for your home insurance.

Solar Panels

Solar panels are just one way homeowners are trying to make their home greener. Although they are a good eco-friendly option, you should inform your insurance company about this change. You may need to increase your housing coverage to receive new solar panels. Keep this in mind as you go through your renovation process.

Adding decks

A new deck or porch is a great way to enjoy nature. Backyard barbecues and summer nights can often be enjoyed on a deck. But just like a home supplement, adding a new deck or porch increases the cost of replacing your home. Contact your insurance agent to talk about how the addition of such a structure would affect your insurance costs. You may need to increase the coverage limits to deal with the new extension of your home.

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Pools

Pools are fun summer supplements! But they are notorious for being dangerous. They are dangers especially for children and pets. If you decide to add a pool, make sure you also take increased safety precautions, such as adding a fence around your pool. Pools can increase your homeowners' insurance costs as they can be a huge liability. You need to tell your insurance company if you decide to add a pool to your home. Check out these pool safety tips to get you started!

Contractors

Before hiring someone to do your home renovation, make sure they have the right coverage. Many contractors have general liability insurance specific to their profession. It is a good idea to double check this in the event of an accident. Home renovations are often unpredictable, so on-site coverage can help with that. Here's what you need to know more about hiring controllers!

Before you break out your hammer and nails and start calling your insurance agent. They can help you make sure your homeowners insurance is ready for a home renovation. Especially during a home upgrade, things can go wrong. Hopefully they do not, but it is always better to expect the worst.

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