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Thinking About a Home Renovation? Here's What You Really Need to Know About Insurance Before You Pick Up a Hammer

  • Writer: Adrian Miller
    Adrian Miller
  • Apr 10
  • 3 min read



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Whether you're planning to finally build out that chef’s kitchen, create your dream home office, or turn your dusty basement into a playroom, there’s one thing that often gets overlooked…


Your insurance coverage.


I know, I know, insurance isn’t nearly as fun as picking tiles or testing paint swatches, but trust me getting your homeowners policy squared away before you start swinging a sledgehammer can save you a world of stress (and money) down the road.


1. Tell Your Insurance Agent—Yes, Before You Start Renovating

I get it. You’re eager to get started. But one of the biggest mistakes I see homeowners make? Not telling their insurance agent about their renovation plans until after the fact.


Why it matters: Your current policy is based on your home’s pre-renovation value and structure. If you're putting on an addition, updating plumbing, rewiring electrical, or upgrading materials (hello, quartz countertops!), the value of your home goes up and that means your coverage needs might change too.


2. You May Need a Policy Endorsement or Builder’s Risk Insurance

Not all renovations are created equal. A fresh coat of paint? Probably not a big deal. Knocking down walls or building an addition? That’s a whole other story.


Depending on the scope of your remodel, you might need:

  • A policy endorsement to increase your coverage limits

  • Builder’s risk insurance to cover materials and labor during the construction phase

  • Liability protection in case someone gets injured on-site

If you’re hiring contractors, make sure they’re licensed, bonded, and insured. Ask to see proof. Protecting yourself isn’t just smart, it’s necessary.


3. Beware the DIY Trap

DIY is awesome and I love a good weekend project. But if you’re doing major work yourself, your insurer may view that as riskier than hiring a pro. You could even void part of your coverage if something goes wrong.


Be upfront about who’s doing the work and how involved you’ll be. Some policies may not cover losses due to faulty workmanship (yes, even if it’s your own).


4. Document Everything

Take photos before, during, and after. Keep receipts. Save invoices. I’m talking about:


  • Contractor bids and contracts

  • Materials purchases

  • Permits and inspections

  • Before/after pictures


This makes updating your policy a breeze and helps in case you need to file a claim later. Plus, it’s always fun to look back at your progress!


5. Post-Renovation? Time to Re-Evaluate

Once the dust settles and your renovation is complete, it’s time for a policy review. Your home’s value has likely increased, and you want to be sure your insurance reflects that. You may also qualify for discounts if your renovation improves safety, like upgraded wiring or plumbing.


Key Takeaways

✅ Always let your insurance agent know before renovations start

✅ You might need extra protection like builder’s risk or liability coverage

✅ DIY jobs carry risks so check your policy

✅ Document everything from start to finish

✅ Reassess your policy after the work is complete


Let’s Chat Before You Renovate

Planning a remodel? Give me a call, shoot me a message, or let’s grab a coffee and chat through your plans. I’ll make sure your insurance is ready to support the dream home you’re building, without surprises.


Because your home is your sanctuary and it deserves protection as beautiful as the vision you're bringing to life.


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