5 Home Insurance Tips For Remodeling

Remodeling perfectly illustrates the hard work that’s so essential to bringing new dreams to life. It's rewarding to take action on your vision and create a welcoming haven that better supports your family’s evolving lifestyle!

Before you hit the hardware store, these tips can help you think through how to make your DIY plans and home insurance work together to protect your family better.

  1. Contractor Check. If you're hiring a contractor for a large project, ask them for a copy of their general liability insurance certificate, as well as for their property and workers compensation insurance. Just as reviews and recommendations help you feel confident that you’ve got the right team for the job−checking that they’re covered helps you relax throughout the whole process.
  2. Paper Trail. Hang on to your remodeling records — bids, estimates, invoices and receipts. You'll need this documentation to update your homeowner's policy as well as your Home Inventory. While not required, providing "before” and "after” pictures will help your agent update your policy faster. Plus — won’t it be fun to see the transformation?
  3. Save More. Talk to your agent about eligibility for discounts on your homeowners’ insurance rate due to your remodeling project. For example, you may qualify for a discount for installing home security and/or fire alarm systems. Or, you could get a discount if you install an impact-resistant roof.
  4. Keep Tabs. Update your home inventory using DreamVault or another system to keep track of additional items you've purchased to fill your newly remodeled space.
  5. Schedule a Personal Insurance Review. When your renovation is complete, meet with your agent to update your insurance policy’s dwelling value and possessions coverage. They’ll make it a simple and straightforward process!

Inspired to start a new remodeling project? Get the scoop on how we can help — or even save you money — with advice from your American Family Insurance agent.


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