Home Remodel & Insurance: What You Need to Know
Update: 2025-11-18
Description
Home remodel and insurance: Why you must inform your insurer - If youre planning a home remodel using a refinance or home equity loan, its crucial to notify your insurance company, especially for larger projects. Factors to consider include the renovations value and whether your home will be vacant during construction. Structural work, significant value additions, or spending over $50k require a call. Small cosmetic updates usually dont. If youll be vacant for 30 days or more, discuss with your agent to avoid coverage issues. Not informing could lead to coverage gaps, claim complications, or policy cancellation. Insurance costs may change based on updates.
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