Painting your home’s exterior or putting carpeting in the living room won’t affect your home insurance policy. However, if you start making changes that add significant value to your home, increase the risk of accidents, or involve plumbing and electric wiring, you’ll need to update your home insurance agency before and after the work is done.<\/p>\n
Home renovations impact home insurance in several ways. <\/p>\n
Some renovations increase the risk of accidents. These include adding a pool or water feature to your yard, building a deck with steps, and building an outdoor fire pit. Your liability coverage will need to be updated to include these renovations so you’re fully covered if someone has an accident.<\/p>\n
Home insurance coverage is based on the value of your home. Modifications such as turning your basement into living quarters, adding square footage, and redoing your kitchen should be reported, so your insurer can update your home’s value on the policy. This ensures you get compensation for the full value of your home if a covered peril damages your home’s structure, appliances, or furnishings. <\/p>\n
Home insurance companies want to ensure your home is safe. You’ll need to pull permits from the Commerce, GA, permit office before making major changes to the house. You’ll also need to ensure all work (especially electrical work) is done by a licensed professional. Your home insurance policy could be voided if major renovations were done as a DIY project.<\/p>\n
We encourage Commerce, GA, homeowners to call our team at North Georgia Insurance Center for more information on home renovations and insurance coverage. We’re always happy to answer questions and offer policy quotes.<\/p>\n","protected":false},"excerpt":{"rendered":"
Painting your home’s exterior or putting carpeting in the living room won’t affect your home insurance policy. However, if you start making changes that add significant value to your home, increase the risk of accidents, or involve plumbing and electric wiring, you’ll need to update your home insurance agency before and after the work is […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[13,14,17,16,6],"class_list":["post-230","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-commerce","tag-ga","tag-home","tag-insurance","tag-north-georgia-insurance-center"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.ngainsurancecenter.com\/blog\/wp-json\/wp\/v2\/posts\/230","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ngainsurancecenter.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ngainsurancecenter.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ngainsurancecenter.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ngainsurancecenter.com\/blog\/wp-json\/wp\/v2\/comments?post=230"}],"version-history":[{"count":1,"href":"https:\/\/www.ngainsurancecenter.com\/blog\/wp-json\/wp\/v2\/posts\/230\/revisions"}],"predecessor-version":[{"id":231,"href":"https:\/\/www.ngainsurancecenter.com\/blog\/wp-json\/wp\/v2\/posts\/230\/revisions\/231"}],"wp:attachment":[{"href":"https:\/\/www.ngainsurancecenter.com\/blog\/wp-json\/wp\/v2\/media?parent=230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ngainsurancecenter.com\/blog\/wp-json\/wp\/v2\/categories?post=230"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ngainsurancecenter.com\/blog\/wp-json\/wp\/v2\/tags?post=230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}