Does My Renovation Increase My Home Insurance?

Hello, fellow Georgians!

It's your friend Zaheed from Arrow Insurance Agency in Loganville, coming at you with some crucial insights on how home renovations can impact your home insurance.

​Whether you're updating the kitchen, adding a new bathroom, or finally building that dream deck, it's an exciting time. But as you choose paint colors and fixtures, there's one thing you shouldn't overlook – your home insurance.

Why Renovations Can Affect Your Home Insurance
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When you improve your home, you're likely increasing its value. That's great news for your property's worth, but it also means you might need more coverage. If your home insurance policy doesn't reflect these upgrades, you could find yourself underinsured if disaster strikes. Here's what you need to know to keep your coverage in line with your home's value.

Before You Renovate: Talk to Your Agent

First things first, give us a call at Arrow Insurance Agency before you break ground or knock down walls. We're here to help you understand how your project might affect your insurance needs. For instance, adding square footage or upgrading materials could mean you need to increase your coverage limits to ensure your home is fully protected. Plus, we can advise you on any temporary coverage you might need during construction, especially if you're moving out while the work is done.

Keep Your Insurance in the Loop

As your project progresses, keep us updated on any significant changes or unexpected discoveries (like finding out you need to update your plumbing or electrical systems). These changes can affect the value of your renovation and, subsequently, your insurance coverage needs.

After the Renovation: Reassess Your Coverage

Once the dust settles and you're enjoying your newly renovated space, it's time for a policy review. We'll help you reassess your home's value and adjust your coverage accordingly. This step is vital to ensure that your home is fully protected. Remember, it's not just about covering the cost to rebuild your home; it's also about protecting the investment you've made in improving it.

Special Considerations for Georgian Homeowners

In Georgia, our love for historic homes and unique architectural details can also play a significant role in how renovations impact insurance. If you're renovating a historic home or adding custom features, you might need specialized coverage to protect these unique aspects of your property.

Documentation is Key

Keep detailed records of your renovation, including contracts, receipts, and before-and-after photos. This documentation can be invaluable in adjusting your coverage and proving the value of your improvements in the event of a claim.

Let Arrow Insurance Agency Guide You

At Arrow Insurance Agency, we understand the excitement and challenges that come with home renovations. As an independent agency right here in Loganville, we're not just selling policies; we're building relationships and protecting our neighbors' dreams. Our advantage is our ability to shop around for you, ensuring you have the best coverage at the best rates, tailored specifically to your needs.

Home renovations are a significant investment, and protecting that investment is where we shine. Let's work together to ensure your home insurance is as up-to-date as your home. Call us, drop by, or send a pigeon carrier - whatever works for you. We're here to help your home insurance match your home's new look and value.

Stay safe, and happy renovating!

Let's talk about your renovation!

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Zaheed Hussain
​​Owner/Licensed Agent 

Our aim is to hit the bullseye every time when it comes to providing our clients with the best Georgia home insurance coverage available at the best value. We also provide many other coverages for auto, business, life, and health. 

​Phone: (770) 692-7500
Email: [email protected]