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Remodeling? Take Your Home Insurance into Consideration

Remodeling a home is one of the best ways to make it more comfortable for your entire family. With serious changes in your home, you can increase its value.Making changes to your home will also mean serious changes in your home insurance policy. If you have plans to remodel your kitchen, updating the bathroom or making other improvements, you need the ideal home insurance plan that offers cover for these improvements.The construction costs will be taken into consideration by the home insurance company, which may increase your premium, but your coverage will be up to date.

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House Renovation

When you plan a home renovation, you may have plans for designing a new floor or picking up paint colors. Although having a detailed insurance conversation with your home insurance carrier may not be one of your plans. But be advised, it should not be overlooked. A renovation can affect the value of your home and the liability issues. Anything which changes the structure of your house will bring changes to the policy. At times, house improvements, which add to your home’s value may render your home coverage inadequate and make you vulnerable to losses.

Increasing the Coverage

After a renovation in all likelihoods, the premium of your home insurance will go up because your home is worth more now. You will need more insurance to cover the new value of your home, if you do not increase the coverage, you may end up paying for the damages that may occur in the future, when you make a claim. When you have plans to remodel your home, ensure that your coverage is adequate to cover all the intended changes in the house.

Factors Influencing the Coverage

The best way to know what is covered and what is not is to contact the home insurance provider. The coverage mostly depends on the age of the roof, the area you live in, and several other factors. Sometimes, you may need to grow your home to accommodate an expanding family. This can mean adding more livable square footage, which did not exist before. In such cases, your home insurance will have to be altered to account for the value of the new space. You must let the insurer know about the addition, even before you make the addition.

The same holds true for kitchen and bathroom remodeling. Giving your home a better facelift with a kitchen or bathroom makeover means that you’ll need to get home insurance reassessed too. When you plan a renovation, your existing coverage may not be sufficient. You should not only call the insurer about the renovation, but also provide him with the photos and records to validate the changes you have brought.

Talk to Your Agent

Before you undertake a home renovation, make sure that you talk to your agent. The agent will be able to figure out exactly how much additional coverage you will need. Additionally, he/she will be able to work out a figure of how much liability coverage you will need during the construction process. If you hire a person from outside for the renovations, make sure the contractor has adequate information about your home insurance before the work begins.

Most Policies Provide Replacement Cost of Valuables

A home reflects the personalities of the home owners, when it is decorated with love and care. All the decorations have both monetary and sentimental value. These may include expensive appliances, furniture, and other valuables. When your home and the content is insured, a home insurance policy will provide you the value after depreciation and the replacement cost (which is the actual price) of the valuables.


Key Takeaways


Home insurance coverage must take improvements into account


After remodeling, the value of your home will go up


Home insurance will go up, as value of your home increases


Necessary to find out factors on which coverage depends


Speak to your agent before remodeling


Provide him with photos that validate the change


Ensure that the contractors you hire are insured


Policy you opt for must provide replacement cost of valuables

Written By: PolicyBazaar - Updated: 30 September 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Reviews & Ratings

4.4 / 5 (Based on 120 Reviews)
(Showing Newest 10 reviews)
Bokaro, July 26, 2022
Coverage for natural calamity
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Premium Calculation
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Ajmer, July 26, 2022
Qiuck claim
I purchased a home insurance policy recently. However, due to a natural calamity, my house was damaged as the pressure of the water because of flood broke the enterance door of my house. But the insurance plan that i bought got me covered and i as able to get the quickest claim possible.
Delhi, July 26, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension free now.
Kolkata, July 26, 2022
Wide coverage
The home insurance plan that i purchased from policybazaar's website is a great plan that provides me coverage for not only the structure but also cover several expensive content of the home such as paintings, mobile phones, laptops, television, etc.
Ahmedabad, July 26, 2022
Suitable insurance plan
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Amritsar, June 09, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension-free now.
  • Disclaimers+

    #Savings of 28% are based on the comparison between the highest and lowest premiums for a pucca building with sum insured of >₹ 1 crore at Delhi, for property age less than 5 years and policy term of 11 years.