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Stalwart Insurance

2550 Boyce Plaza Road
Pittsburgh, PA 15241

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How do home renovations affect my home insurance policy?

House improvements are always exciting to make as they change the outlook of your home. When it comes to home insurance, these improvements can either boost your home’s value or trigger lower premiums. Therefore, you must think about home insurance before doing any renovations for your Pittsburgh, PA home. At Stalwart Insurance, we recommend informing your insurance provider about your renovation plans to ensure that your policy is up to date and also revise some perils that you may expect to be covered but are not there.

Renovations raise the value of your home.

A home insurance policy is designed to cover repairs and replacement costs of your home in case of damage from a fire or other accidents. Anything that will impact the repair or replacement costs of your home significantly affects your insurance premiums and the overall cost of insurance. Notify your insurance company before making significant upgrades and keep a record of receipts or videos of the same for future reference.

Some extensive renovations can completely change your entire home insurance policy.

If you intend to make vast home improvements like changing the roof or exterior wall, such changes may alter your home insurance policy to a property under construction. That means that the policy covers your possessions in that home. However, if the roof or the wall being constructed affects the condition or damages the contents of your home, your insurance provider may not reimburse you for these damages or losses.

You are liable for any injuries on your property. 

If you hired several workers to work on your renovations, you are solely responsible for any injuries that may result from the work they will be doing or any damages relating to those injuries. Therefore, enquire about workers’ insurance or have your liability coverage reviewed.

Are you looking to make a few renovations for your home? Stalwart Insurance can help you do this without overcomplicating your home insurance policy. Visit us in Pittsburgh, PA for more information.

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