Contact Us: ​(740) 992-6677
Bill Quickel's - Insurance Plus Agencies Inc. | Better Coverage - Better Price
  • Home
  • Get Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Specialty Coverages
    • Customer Service
  • Insurance
    • Automobile >
      • Auto Insurance
      • ATV Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Homeowners >
      • Home Insurance
      • Farm Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Business & Commercial >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Insurance Bonds
      • Workers Compensation
    • Contractors Insurance
    • Medicare
    • Life Insurance
    • Travel Insurance >
      • International Travel
    • Wedding Insurance
    • Short-Term Liability Insurance
    • Other >
      • Church Insurance
      • Boat Insurance
      • Event Insurance
      • Umbrella Insurance
  • Resources
    • Recipe of the Month >
      • Recipes
    • Community Calendar
    • Calculators
    • Insurance Videos
    • Document Library
    • Quick Links
    • Frequently Asked Questions
    • ODNR Watercraft Registrations
    • Check To Protect - Recalls
    • Vehicle History - VIN Check
  • Blog
  • About
    • Staff Directory
    • Client Testimonials
    • Referral Program
    • Refer a Friend
    • Jobs
    • Privacy Policy
  • Contact
  • Home
  • Get Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Specialty Coverages
    • Customer Service
  • Insurance
    • Automobile >
      • Auto Insurance
      • ATV Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Homeowners >
      • Home Insurance
      • Farm Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Business & Commercial >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Insurance Bonds
      • Workers Compensation
    • Contractors Insurance
    • Medicare
    • Life Insurance
    • Travel Insurance >
      • International Travel
    • Wedding Insurance
    • Short-Term Liability Insurance
    • Other >
      • Church Insurance
      • Boat Insurance
      • Event Insurance
      • Umbrella Insurance
  • Resources
    • Recipe of the Month >
      • Recipes
    • Community Calendar
    • Calculators
    • Insurance Videos
    • Document Library
    • Quick Links
    • Frequently Asked Questions
    • ODNR Watercraft Registrations
    • Check To Protect - Recalls
    • Vehicle History - VIN Check
  • Blog
  • About
    • Staff Directory
    • Client Testimonials
    • Referral Program
    • Refer a Friend
    • Jobs
    • Privacy Policy
  • Contact

Bill Quickel's - Insurance Plus Agencies Inc. Blog

Home Insurance During Renovations

11/26/2019

8 Comments

 
Picture
​The first step when doing renovations in your home: Get in touch with your home insurance provider. Below, we'll run down the basics of what you need to know, but every insurance provider has their own rules regarding renovations, and the only way to avoid an insurance gap is to make sure that you keep them up to date every step of the way.
You Will Want To Up Your Limits
There are a lot of reasons, some obvious and some less-so, that you may want to up your limits when doing renovations, whether or not your insurer requires it. For instance:
  • The big one: Your home is going to be worth more. You want your policy to cover what you have now, not what you had a month ago.
  • Liability concerns multiply on an active construction site. If you have your buddy come over after work to help raise a wall for your new guest room and he injures his hand, you could be looking at everything from medical costs to lost wages. Let your insurer know you may be employing some part-time help (even unpaid, and unofficial), and find out what they recommend.
You will probably want to incrementally increase your limits as you go. A guest room addition may only take a week to construct, but more extensive kitchen remodeling may take months of small improvements. When you install that new sink, put up a new wall or re-tile the floor, get it appraised and covered.

Make Sure Your Contractors Carry Insurance
Technically, anyone can start a private contracting company simply by putting a listing in the local paper. Make sure your contractors are the real deal, and fully insured. If one of their employees is injured, you want to be sure that the costs are covered on workers' comp, and not on your own liability policy.

Reappraise The Home When Finished
You may have been incrementally increasing your limits along the way, but it's still a good idea to have someone take a look at the finished product so that you can insure your home for what it's really worth. A beautifully renovated home is more than just the sum of its parts.

Your home insurance provider will be a big help in guiding you through the process, so stay in touch with them, keep them up to date on how the project's coming along, and stay covered.
Blog Post by: ITC
8 Comments
Chris Pederson link
9/21/2020 01:19:17 pm

I had no idea that different insurance providers have varying rules when it comes to renovations. My wife and I are planning on buying a house and then fixing it up before we have kids. I'll be sure to look at different homeowner's insurance policies that allow us to renovate however we want before I get a house.

Reply
Kristofer Van Wagner link
10/13/2020 09:59:28 pm

Thank you for pointing out that when choosing a homeowners insurance, it is important for us to check their policy on home renovation. The other day my sister mentioned she would like to have her house renovated. I will remind her to look into her insurance policy prior to proceeding.

Reply
insuranceplant link
11/26/2020 07:01:41 am


Hello Dear
I have visited your site.I am really impressed with your efforts and really pleased to visit this post.
Wonderful and very informative,I agree that you want to learn about different plan types when you are choosing home-insurance. Finding the type that will be right for you would be really smart.. I have a similar site. Hope you visit that.
If you want more info about all type of insurance then please check this website. http://insuranceplant.com/health-insurance/

Thanks

Reply
Sarah Smith link
12/16/2020 12:24:15 pm

I appreciate your information about how renovations affect insurance. My husband and I would like to get an add-on to the home we just bought. We'll make sure to tell any insurance agencies about our plan before we get coverage.

Reply
Mold Inspection Clifton link
12/25/2020 11:44:37 pm

Professional removal services do more than just get rid of the mold in your home. They also go on a mission to locate the source. There is testing for mold and it is done by the experts of the company.

Reply
Chris Pederson link
1/6/2021 11:26:19 am

I want to get a fixer-upper house for me and my wife to work on throughout the whole year. I had no idea that home insurance providers have different rules towards renovations. I'll have to find the right company that will let us go through with our plans without any conflict.

Reply
Penrith Landscaper link
1/25/2021 12:47:19 am

No matter which type of renovations you make, your existing coverage limits may be too low to match your home's post-reno value and liability. Always talk to your insurance agent before construction starts to find out if your existing policy will provide enough coverage during and after the renovation. If not, update your policy before any work begins. And if the renovation turns into a bigger project along the way—for example, you decide to add that hot tub, after all—keep your agent updated.

Reply
Licensed Electricians Auckland link
1/27/2021 01:26:20 am

I was looking for this information relating to home insurance during renovations. You have really eased my work by posting this article, loved your writing skill as well. Please keep sharing more, would love to read more from you!

Reply



Leave a Reply.

    Get Quote

    Contact Us

    (740) 992-6677​
    114 Court Street
    Pomeroy, OH 45769​
    Click Here to Email Us

    Categories

    All
    ATV Insurance
    Auto Insurance
    Boat Insurance
    Business Insurance
    FAQs
    Financial
    Health Insurance
    Home Insurance
    Insurance
    Life Insurance
    Local
    Safety
    Travel Insurance

    Archives

    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018

    RSS Feed

    View my profile on LinkedIn
Bill Quickel's Insurance Plus Agencies Logo
Better Coverage - Better Price
Ohio & West Virginia

Insurance Lines
Get A Quote
Auto Insurance
Home Insurance
Travel Insurance
Life Insurance
Business Insurance
Contractors Insurance
Resources
File A Claim
Make A Payment
Specialty Coverages
Auto & Home Rater

Our Blog
Community Calendar
Insurance Videos
​Jobs
Connect 
740-992-6677
114 Court Street
​Pomeroy, OH 45769

Email Us
Staff Directory 


Agency Hours
Weekdays:
9:00am - 5:00pm
​© 2020 Bill Quickel’s – Insurance Plus Agencies Inc.
Agent Login
​Website by InsuranceSplash