Can Remodeling Your Home Affect Your Home Insurance? | Blog
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Ball Ground, GA 30107

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Ball Ground, GA 30107

The Sanford Group Insurance Blog

Can Remodeling Your Home Affect Your Home Insurance?

Home insurance needs to be updated regularly to compensate for changes in your home or lifestyle. Remodeling your Ball Ground, GA home will alter your insurance coverage, making it necessary to update your policy. If you plan to remodel your home, talk to an agent from The Sanford Group to see how your renovations will affect your policy. Here are a few ways home upgrades can alter home insurance coverage.

Add Value to Your Property

When you first purchased home insurance, you probably insured your home for its current market value. Remodeling your home can increase that value, making your original coverage insufficient to fully protect your renovated property. By increasing your dwelling coverage to match the new value of your home, you’ll have the protection you need to rebuild your abode in the event of a total loss.

Increase/Decrease in Premium Cost

Some home upgrades can increase your home insurance while others could make you eligible for discounts on your coverage. Adding a pool to your property, for example, will increase your insurance costs due to a greater risk of pool accidents. In contrast, a new roof could reduce your insurance premium due to improving home safety. Renovations that improve safety and security like new plumbing, electrical or security systems could qualify you for discounts on your home insurance costs.

Increase Your Coverage

Renovations need to be added to your home policy in order to be protected along with the rest of your home. This will require an increase in your dwelling coverage. If you purchased new furniture or electronics to go with your renovations, these will need to be added to your property coverage for protection against damage or loss.

To learn more about home insurance in Ball Ground, GA, or to receive a home insurance quote, contact us at The Sanford Group.

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