Insuring Your Improvements

Whether you're looking at doing a few minor home upgrades or a major renovation, you'll want to make sure your insurance is up to date, and that your agent knows your plans.

Insurance agents

Insurance agents are homeowners insurance experts who can help answer any questions you have about your coverage. Because renovations will typically increase the overall value of your home, agents want to ensure you have the right amount of protection before and during construction.

Tips to consider

In addition to bringing in your agent, you'll also want to keep these tips in mind for insuring home improvements:

  • Understand your short-term coverage options that will cover materials, workers (especially if you're doing the job yourself or with friends) and your personal property
  • Use insured professional contractors who have their own general liability policies and offer their employees workers' compensation coverage
  • Ask about building permits, especially if you're changing your home's structure
  • Explore the real value of your renovations, including new furniture, appliances and other property
  • Review your current policy with an agent to make sure you have enough coverage once construction is complete

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