Does my insurance cover home renovations?
By Bob Millaway, South Jersey Community Expert & REALTOR®
Standard homeowner's insurance may not fully cover major renovations while they are in progress. If you are doing significant construction, your existing policy might not cover materials, tools, or liability for contractors. Notify your insurance company before starting major renovations. You may need a builder's risk policy or a renovation endorsement to cover the project. Once the renovation is complete, update your dwelling coverage to reflect the increased value of your home.
Why It Matters
Starting a renovation without proper coverage leaves you financially exposed to theft, damage, or accidents during construction.
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