Home Insurance and Remodeling

Remodeling your home is a great way to make it more comfortable for your whole family while also increasing the value. It will also means some serious changes to your homeowner’s insurance policy. Keep these tips in mind to make sure that your newly renovated home has the protection that it deserves.

• Talk with your insurance agent – before any construction starts on your house, make sure to call your insurance agent. They will be able to help you figure out exactly how much additional coverage you will need. They will also work with you to figure out how much more liability coverage you will need during the construction process.
• Increase your coverage – when you remodel your home, the value of your home will increase, which means that you will need more home insurance to cover the new value of your home. If you do not raise your coverage, you will be left paying for any damages out of your own pocket if you ever make a claim.
• Know what needs to be covered – if you are adding an addition to your house, make sure that it is named on your policy. If there is a new area of your house that your homeowners insurance policy does not know about, it will not be covered from any damage.
• Check your contractors insurance – before you hire a contractor, check their insurance to make sure that they are properly licensed and insured. They should have both worker’s compensation insurance and liability coverage. Confirm that they are covered by calling their insurance company.

Contact the insurance processionals at Agape Brokers Insurance Agency in Hemet, California for all of your homeowners insurance needs when remodeling. We will work with you to ensure that your updated house has the protection that it deserves.

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