Bill Quickel's - Insurance Plus Agencies Inc. Blog |
 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:
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
134 Comments
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. 8/3/2021 06:29:14 am
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. 11/9/2020 01:20:28 am
There's a lot to look out for during your renovation or remodeling project. A few things to keep in mind while you plan: Is your contractor and subcontractor insured? Thank you for enlightening us. Thank you so much for sharing a great article. 10/13/2021 01:28:05 am
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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. 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. 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. 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. 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! 2/23/2021 01:55:34 am
These are some great information that you have shared here about home-insurance during renovations . I really loved it and thank you very much for sharing this with us. You have a great visualization and you have really presented this content in a really good manner. 3/28/2021 08:13:00 pm
Thank you very much for sharing about home insurance during renovations here… I really hope I can work on your tips and it works for me too, I am happy to come across your article. Great post I must admit, keep sharing more… 4/3/2021 02:04:13 am
When i was renovation my home i never made sure the builder had insurance, he caused a major leak and i was left to pay for the damage. This was a big lesson i made and i will never make this mistake again. 4/13/2021 08:02:24 am
Thank you for sharing this informative article. Keep them coming! 4/14/2021 02:27:50 am
Thanks for the advice. We will contact the home insurance provider If we will have a plan for renovations. Cheers - Concrete porch Company In most cases, there are two types of policies needed to adequately cover your project: home and contents insurance and builder's insurance. If you are the builder or DIY renovator, then you will need to take out builder's insurance in addition to home and contents insurance. 7/20/2021 09:03:01 pm
I did not know that. . Thanks for this information, really useful. Renovation insurance covers you for the things that might go wrong while building works are being carried out at your property. ... Therefore it's likely that you will still need buildings insurance in place to protect your property both whilst it's unoccupied, and against risks such as fire, theft, flood and subsidence. 4/15/2021 07:08:44 am
Cost is a difficult answer - That is why we ask so many questions - Also your credit will have an effect on rate - Good credit equals better Rate. Location from the fire dept. Frame - Brick - square footage. At our office we always get pictures before we even offer a quote. Your home is probably unique so you deserve coverage that fits your situation. 4/15/2021 07:04:33 am
You really need to discuss with your Independent agent what you plan to do and how much you will be doing. Maintenance updates are different than additions or improvements, ex. adding a deck or porch or a room. Making the basement a family room - man cave etc. all will effect how you should adjust your coverage. 8/30/2021 08:52:28 pm
That's the best advice. Contact Insurance provider first before doing anything. 4/27/2021 01:54:01 pm
It really helped when you talked about the importance of checking our home's insurance plan before a renovation project. Recently, my wife and I decided we want to build a patio and a swimming pool in our backyard. Our project starts in a few weeks, so we'll be sure to follow your insurance advice. Thanks for the information on home renovations and their insurance management. 5/7/2021 05:43:27 pm
All advice here is correct. As a concrete contractor, we advice also to contact your insurance provider first and get insured. - Mario | Concrete contractor 5/10/2021 12:50:23 am
That's right! When you planning to remodel your home is it best to contact your insurance provider first. 6/2/2021 05:06:20 pm
My cousin has been thinking about getting the right kind of insurance for his farm because he wants to be safer. He would really like to get some help from a professional in order to be more effective. It was interesting to learn about how his home is going to be worth more, so he should up his limits in order to be more effective.
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6/4/2021 04:42:22 am
Worth reading! You'll learn what to consider when you're getting insurance! Thanks for sharing. 6/7/2021 05:42:47 am
Thank you for pointing out that when choosing a homeowners insurance, it is important for us to check their policy on home renovation. My sister mentioned she would like to have her house renovated. I will remind her to look into her insurance policy prior to proceeding. 8/3/2021 06:26:01 am
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Perfect advice. We did not know about this before. Thanks for sharing 9/9/2021 07:53:33 am
A standard homeowners insurance policy covers your house and personal belongings from setbacks like fires, tornadoes and theft. For example, if your house burns down, homeowners insurance would pay to rebuild the house and replace your stuff. Thanks for pointing out that we need to inform the home insurance provider if we are hiring people for the renovation of the house to see what they can recommend. I will keep that in mind since I plan to do that for the house that I plan to buy next year. I am also currently looking for an insurance provider, so I will make sure to look at their liability coverage before choosing the best provider for my needs. 10/29/2021 10:11:43 pm
Thanks for pointing out that we should want our home to be covered with what we have now and not months ago. With that in mind, I will make sure to get a home insurance policy from an agency that can educate me about my choices. It's because I have been living in this new house for a year now, and I just got enough funds to finally get coverage now that is why I am reading about this kind of information now. 11/8/2021 02:32:36 am
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This post made an excellent point that when looking for an insurance agent, it is important that we ensure they are licensed and certified. It makes sense as in doing so, we can be certain that they will advise us and offer us coverage that serves us well. In the event I am looking for insurance, I will definitely keep in mind of hiring someone who is reputable too. 11/16/2021 09:47:30 am
Thank you for sharing this article. It is very important to ask these questions when beginning any renovation project! 11/20/2021 11:26:45 am
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Great suggestions on the insurance process when dealing with your home renovations, this is something every homeowner should know! 12/21/2021 11:02:19 am
I like what you said about making sure you have insurance for worker's comp. I need to get a policy that covers 3 employees. I'll have to make sure the deductibles are low. 12/22/2021 08:22:49 pm
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I love how you point out to look for insured and licensed contractors to do the job. It does cover both the insured and the contractor, as well. 2/6/2022 08:11:03 am
Thanks for sharing this post! It is very helpful to ask these types of questions before starting any renovations! 2/6/2022 08:16:51 am
I had no clue that insurance companies have differing regulations regarding renovations. Thank you for this article! 2/24/2022 01:53:08 am
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Elaine
2/28/2022 04:12:00 am
Thank you for sharing this piece, it's a great topic. 3/21/2022 03:17:47 am
During the renovation, increase your liability coverage limits. Liability insurance protects you in the event that someone who doesn't live with you gets hurt while helping with the renovation. This is especially critical for do-it-yourself projects (contractors should have their own insurance). Increase the amount of no-fault medical coverage on your policy, according to the III. If someone is harmed, they can submit their medical costs to your insurance carrier directly. According to the III, this can reduce your chances of being sued. 4/25/2022 01:43:37 am
The amount of homeowners insurance you buy depends on factors like your home's size, condition, and the cost to rebuild it if disaster were to strike. 5/4/2022 06:07:04 pm
You make a great point about how your home can help you get lower premiums. That makes sense considering you can make sure you can lower your premiums through leveraging your equity. I need to get an agent to help me with rates. 6/6/2022 09:56:07 pm
Such an amazing article and it is really impressive, keep up the good work. Thank you so much for sharing.
Great suggestions 7/12/2022 08:00:23 am
It's a good idea to check with your agent before the project gets underway to make sure you will be covered during and after renovation. 7/13/2022 07:19:20 pm
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You make a great point about how your home can help you get lower premiums. That makes sense considering you can make sure you can lower your premiums through leveraging your equity. I need to get an agent to help me with rates. Thanks for sharing the blog. 8/11/2022 04:55:31 pm
It's interesting when you said that if your policy covers a big protection, your home would have a bigger value. My partner mentioned last night that she was planning to have a home insurance plan that covers liability for property damages, and she asked if I had any idea what would be the best option in choosing the best for us. I'm happy for this instructive article, I'll consult a trusted home insurance agency as they can provide details for the best coverage for us. 8/31/2022 07:24:11 am
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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. 9/27/2022 07:06:34 am
This is such an incredible article, and it is extremely impressive; I hope you will keep up the good work. Many, many thanks for providing this information. 11/9/2022 08:20:29 pm
You put really very helpful information. Keep it up. Keep blogging. Looking to reading your next post 11/21/2022 07:07:53 am
I liked your tip on making sure your contractors carry insurance. This is really important for large renovations. 12/5/2022 05:26:48 pm
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This is some great information, thanks for sharing. I've never had any problems that require the insurance in the past when working with my favorite basement remodeling company in wheaton and that's why I recommend them with me eyes closed. 1/16/2023 07:21:48 pm
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Thank you for explaining insurance in the context of a remodel. My wife wants to put concrete flooring in the basement. We'll have to call a contractor. 1/26/2023 08:21:18 am
Renovations can be exciting and rewarding, but they can also be risky. Having home insurance during renovations is a must to protect from any possible damage or loss that could occur. It's important to check your policy to ensure the coverage you have is adequate for the renovations you plan to make. 2/1/2023 09:34:17 pm
Great article on the importance of having home insurance during renovations. I never realized the risks that come with renovating a home and the protection that insurance provides. It's reassuring to know that I can have peace of mind and protect my assets during this process. Thank you for shedding light on this topic. 2/2/2023 06:16:01 pm
We appreciate your clarification that you want your coverage to cover your current situation, not what you had a month ago. My husband desires to remodel our brand-new home. I'll advise him to contact home insurance agents to obtain updated coverage before beginning the renovations. 2/4/2023 09:06:27 pm
However, most standard home insurance policies will not cover major renovation works. 4/14/2023 01:26:23 am
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Thanks so much for pointing out that after you add or renovate your house, the place will be worth more, and upping insurance limits will be a great idea to make sure you're still covered. My brother wants to redo his kitchen and living room to make the spaces feel bigger and more inviting. We've been looking into hiring a contractor he can work with to come up with a plan for the rooms and get the project started. But we'll have to be sure to remember to update his insurance during the project. 4/6/2023 09:57:48 pm
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But look out for certain exclusions. For example, if you leave the home vacant for 60 days or more, you might not be covered. Your insurance agent can help you have the right coverage in place before you start the work. 4/12/2023 06:57:16 pm
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Thank you for your helpful tips for home insurance during renovations. 4/20/2023 08:53:30 pm
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Thanks for sharing this informative blog post! As someone who is planning to renovate my home, I found the section about notifying my insurance company particularly useful. I never realized that my home insurance could be affected by renovations, so I appreciate the heads up. This is definitely something that I'll keep in mind when I start my home improvement project. 5/2/2023 08:13:16 pm
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Absolutely! When undergoing home renovations or any significant changes to your property, it's essential to keep your home insurance provider informed. 5/26/2023 09:44:51 pm
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