Renovating your home is an exciting process, but it’s important to understand how these changes can impact your home insurance policy. Whether you’re adding a new room, upgrading your kitchen, or installing a pool, renovations can affect your coverage and premiums. At Patriot Independent Insurance Partners, we want Georgia homeowners to be prepared before starting their next project.

Why Renovations Impact Home Insurance

Home insurance is designed to protect your property, and renovations often increase the value of your home. For example, adding square footage or upgrading materials can raise your home’s replacement cost, which may require adjustments to your policy. Georgia homeowners should notify their insurance provider about any major changes to ensure their coverage reflects the new value of their home.

Common Renovations That Affect Coverage

Here are some examples of renovations that may impact your home insurance:

• Room Additions: Adding a new bedroom or bathroom increases your home’s value and replacement cost.
• Kitchen Upgrades: Installing high-end appliances or countertops may require higher coverage limits for personal property.
• Pools: Adding a pool increases liability risks, which may require additional liability coverage.

Tips for Georgia Homeowners

To ensure your home insurance policy keeps up with your renovations, follow these tips:

• Contact your insurance provider before starting any major renovation project.
• Keep detailed records of upgrades, including receipts and contractor agreements.
• Consider increasing your liability coverage if your renovation adds new risks, such as a pool or deck.

At Patriot Independent Insurance Partners, we’re here to help Georgia homeowners navigate their home insurance needs during renovations. Visit Patriot Independent Insurance Partners today to learn more about protecting your home and investment.