When Doing Home Renovations, Do I Need to Notify My Insurance Company?

Yes. You should usually notify your insurance company before or during major home renovations.
Renovations can change your home’s value, risks, and coverage needs. If your insurer is not aware of the changes, your current policy may not fully protect you.
Common renovations that often require notifying your insurer because they significantly affect your insurance coverage:

• Kitchen or bathroom remodels
• Room additions or home expansions
• Finishing a basement
• Installing a pool or hot tub
• Adding a deck or outdoor structure
• Installing solar panels
• Major electrical or plumbing upgrades
• Installing a new roof

These upgrades can increase the replacement cost of your home, which may require higher coverage limits or even qualify you for a discount!

It is usually best to contact your insurer before starting major renovations. You may want to notify them if:

• The project costs several thousand dollars or more
• You are changing the structure of the home
• You are adding square footage
• You are installing features that increase liability risk

Your insurer can confirm whether your current policy still provides adequate protection.
Home renovations can change your insurance coverage needs. Notifying your insurance company before major projects helps ensure your home is properly protected during construction and after the work is complete.

By: Amy Miller
Blue Sky Insurance 
Agency Owner​