2001 Central Insurance Agency knows that remodeling your home is a big undertaking and making your dream home a reality is hard work. The CIA team are available to help support your project and make sure your confident that the project will happen safely and you’re covered in case of “mayhem”.
But before you hit the hardware store, here are some tips that can help you think through how to make your renovation plans and home insurance work together to protect your family better.
Start a file:
Save quotes, estimates, invoices and receipts to update your homeowner’s policy as well as your home inventory. Take Pictures “before” and “after” pictures will help your insurance agent update your policy. As a designer I always like to see the transformation, and show your friends and family.
Questions for your contractor:
If you’re hiring a contractor for your project, ask them for a copy of their general liability insurance certificate, as well as 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 remodeling process.
As you update your home inventory keep track of additional items you’ve purchased to fill your newly remodeled space. Like appliances, antiques, art, tv’s maybe your honey has purchased a new piece of jewelry for you…
Ask your 2001 agent about eligibility for discounts on your homeowner’s insurance rate due to your remodeling project. You may qualify for a discount for installing home security system or fire alarm systems.
Consider extra coverage:
Whether renovating or remodeling add extra coverage in case the unexpected occurs. Coverage for water damage, if you are removing your roof and a sudden storm occurs, or if you’ve taken up a temporary residence while your home is being renovated you can add coverage for theft or vandalism of personal property.
Inspired to start a new remodeling project? Need advice on how home owners insurance can help or even save you money. Be sure to check with your agent to make sure that your homeowners coverage is doing all it can to protect your hard-earned dream.
Get more valuable advice for your home when you visit 2001 Central Insurance Agency in Booth # 276 at the Time Union Home Expo!
Stay tuned for more Adventures in Styleland…