Why Renovations Can Put Your Home Insurance at Risk

Hi

Planning a home renovation is exciting—new spaces, fresh updates, and big improvements to enjoy. But before the first hammer swings, there’s something important to think about: your insurance coverage.

Many companies are hesitant to insure a home once major renovation work has already started. Here’s why:

• Higher risk of damage. Open walls, exposed wiring, and active job sites increase the chance of fire, water damage, or theft.
• Unclear condition. If the house is already torn apart, it’s harder for an insurer to know what they’re taking on.
• Contractor risk. If a mistake is made during construction, it can blur the line between insurable damage and poor workmanship.
• Wrong type of policy. Standard homeowner’s insurance isn’t designed for active renovations. Instead, a builder’s risk policy is usually needed.

The bottom line: If you’re planning renovations, don’t wait until work is underway to check your coverage. It’s much easier—and safer—to set the right policy before construction begins.

👉 Thinking about a renovation? Let’s talk first so we can make sure your home (and investment) are fully protected.

P.S. At Page Insurance, we’re here to keep surprises out of your insurance—so you can focus on your project..