5 Home Improvements That Can Change Your Insurance

Published by daniel on

home improvements insurance

5 Things to Know When Making Home Improvements

We can all start to breathe a sigh of relief as we’re exiting the cold, harsh winter season. The weather is getting warmer, the birds are chirping, and spring is finally upon us. It’s hard to avoid getting inspired to de-clutter your space, and start planning home improvement projects.

Between planning, building Pinterest boards, and all the excitement – the last thing on your mind is speaking with your insurance agent, right? Total buzzkill.

Any home improvements that you make to boost the value of your home could leave you vulnerable to losses without adequate coverage. Other upgrades, such as energy-efficient upgrades, could even trigger lower premiums. Who wouldn’t want to save some money by simply giving your insurance agent a call?

Here are some home improvement projects that can impact your insurance coverage:

A brand new roof.

Not the sexiest of home improvements, but if your roof was leaking during the winter months, you might be getting ready to replace it. Especially before the monsoons hit here in Arizona. A new roof could cut your premiums by 5%, sometimes even 15%! Why such a huge cut, you ask? Heavy rain, hail, and snow contribute to the largest amount of insurance claims.

So if you’re replacing your roof, you’ve significantly reduced the risk of damage, thus reducing your insurance premium. If a new roof is on the top of your home improvement list, make sure you contact your agent to see what documents they require to get your discounts!

Adding a swimming pool.

Cannonball! You’re now the coolest house on the block, and all your kids’ friends are wanting to come over to cool off from the scorching desert heat. All the pool parties, BBQs, and summer hangouts are all that’s on your mind right now. But wait! Adding a pool means adding more risk. Standard homeowners policy covers about $300,000 in personal liability protection – but you may want to opt for more in the event there’s an injury on-site, where you’d be responsible for medical bills or other losses. And don’t forget that Arizona State Law requires the addition for enclosures or fences for residences with children under the age of 6 years old.

Having pool add-ons such as diving boards or water slides also add to your risk. Make sure you talk to your insurance agent once your plans are set to make sure you’re adequately covered. The last thing you want is to be underinsured and have to come out of pocket for any mishaps that happen!

An office for a home business

You’re finally ready to make the leap and take entrepreneurship on full-time. That’s great! Most homeowners policies cover up to $2,500 in equipment for your home based business, but that might not be enough if you’re going to be using special equipment. Fortunately, you may just need to add a little extra cushion to your existing policy. But if there’s more complexities, it may be best to purchase a separate business policy. Make sure you take the time to talk to your agent to determine the most cost-effective way to ensure you’re protected in the event of a loss.

Expanding your living space.

The extra storage an attic offers seems enticing after the extravagant Christmas, doesn’t it? Or perhaps adding on an Arizona sun room to soak up the beautiful morning sunrises with a cup of coffee is on your to-do list.

Regardless of your expansion, anytime you’re planning on adding on square footage to your home, talk with your insurer first. Let’s say a fire happens when you’re three-quarters of the way through, you want to make sure you can rebuild without worrying about out-of-pocket expenses.

Think about how the extra space will be used. If you plan on renting out the additional space, make sure you’ve got landlord coverage to protect you. Or if you’ve built a basement with carpet, you may want to consider water backup coverage just in case flooding occurs.

Kitchen or bathroom makeovers.

Overhauling your kitchen into a chef’s dream, or your bathroom into a spa-like retreat is thrilling. But the most common mistake people make is not giving their homeowners policy a makeover, too. Your gorgeous renovation could be at risk.

Let’s say your homeowners policy is based on laminate floors and generic cabinets. Then you decide to put in teak flooring, granite countertops, and maple cabinets. Would your existing policy be sufficient to rebuild your remodeled kitchen? This is something many don’t even consider until after a loss.

Contact your agent beforehand, and take lots of before and after photos to keep on file, to validate the work being done. Your premium may go up because your home is worth more, but there’s also a chance that if you’ve upgraded electrical or plumbing systems (especially if your home is older), then you could qualify for a discount!

If you’ve got home improvement projects on-deck for this spring and summer, give me a call! Let’s make sure you’re protected and your precious new investments are covered.


best website hosting · August 10, 2020 at 8:05 am

Hey I know this is off topic but I was wondering if you knew of any
widgets I could add to my blog that automatically tweet my newest twitter
updates. I’ve been looking for a plug-in like this
for quite some time and was hoping maybe you would have some experience with something like this.
Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

best website hosting · August 10, 2020 at 11:26 am

Wow, fantastic blog layout! How long have you been blogging for?

you make blogging look easy. The overall look of your site is fantastic, as well as the content!

best web hosting company · August 10, 2020 at 4:52 pm

Hi there, I enjoy reading through your article post.
I like to write a little comment to support you.

website hosting companies · August 11, 2020 at 1:58 am

I really like what you guys are up too. This type of clever work and coverage!
Keep up the good works guys I’ve added you guys to blogroll.

best web hosting 2020 · August 11, 2020 at 3:11 am

This article is really a fastidious one it assists new the
web people, who are wishing in favor of blogging.

web hosting · August 11, 2020 at 4:42 am

WOW just what I was looking for. Came here by searching for

adreamoftrains web hosting reviews · August 11, 2020 at 7:17 pm

It’s going to be finish of mine day, except before ending I am reading this impressive post to increase my know-how.

adreamoftrains web hosting companies

adreamoftrains best web hosting sites · August 11, 2020 at 8:41 pm

Please let me know if you’re looking for a article writer for your site.
You have some really great articles and I believe I would
be a good asset. If you ever want to take some of the load off, I’d absolutely love
to write some articles for your blog in exchange for a link back to mine.
Please shoot me an e-mail if interested.
Many thanks! adreamoftrains best web hosting

adreamoftrains best web hosting · August 11, 2020 at 10:17 pm

Excellent post! We will be linking to this particularly great article on our
website. Keep up the good writing. adreamoftrains best web hosting sites

Crave Freebies · October 6, 2020 at 12:31 pm

Thanks for your write-up. My spouse and i have generally seen that the majority of people are wanting to lose weight simply because they wish to appear slim along with attractive. Even so, they do not continually realize that there are many benefits just for losing weight in addition. Doctors claim that fat people come across a variety of illnesses that can be instantly attributed to their particular excess weight. The great news is that people who definitely are overweight along with suffering from different diseases can help to eliminate the severity of their illnesses simply by losing weight. You are able to see a continuous but marked improvement in health whenever even a slight amount of weight reduction is accomplished.

StephenTic · October 28, 2020 at 12:06 pm

buy viagra online cheap buy viagra mexican viagra

Hairstyles · October 28, 2020 at 5:10 pm

whoah this weblog is great i love studying your articles. Stay up the good paintings! You know, lots of people are hunting around for this info, you could aid them greatly.

Jamessed · October 29, 2020 at 10:23 pm

viagra from india buy viagra online viagra doses 200 mg

Kevinbof · October 30, 2020 at 9:45 pm

cost of cialis buy tadalafil legitimate cialis by mail

Fashion · October 31, 2020 at 4:14 pm

Yesterday, while I was at work, my sister stole my apple ipad and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is completely off topic but I had to share it with someone!

Danielzes · November 1, 2020 at 5:31 am

cvs viagra buy viagra online how to buy viagra

Interior · November 1, 2020 at 5:22 pm

Hello! This is kind of off topic but I need some help from an established blog. Is it tough to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about making my own but I’m not sure where to start. Do you have any tips or suggestions? Thanks

WallyRek · November 2, 2020 at 8:52 am

errection problems ed drugs list cheap medications

Hairstyles · November 2, 2020 at 4:02 pm

Thanks for the marvelous posting! I genuinely enjoyed reading it, you’re a great author.I will make sure to bookmark your blog and will often come back someday. I want to encourage yourself to continue your great work, have a nice weekend!

WallyRek · November 2, 2020 at 9:16 pm

medication drugs errectile dysfunction best ed medication

Steventor · November 4, 2020 at 9:20 am

viagra otc cheap viagra viagra coupons

Steventor · November 4, 2020 at 9:35 pm

how to get viagra buy viagra from canada viagra coupon

Steventor · November 5, 2020 at 8:57 am

where can i buy viagra buy viagra from canada where to buy viagra online

Danieltique · November 6, 2020 at 11:08 pm

reasons for ed ED Pills natural ed pills

Danieltique · November 7, 2020 at 12:02 pm

medicine erectile dysfunction ED Pills Without Doctor Prescription viagra without a doctor prescription

Danieltique · November 8, 2020 at 1:21 am

natural remedies for ed canadian drugstore online best online pharmacy

Danieltique · November 8, 2020 at 1:09 pm

best ed medications generic cialis buy medications online

Danieltique · November 9, 2020 at 7:17 am

pain meds without written prescription cheap ed pills anti fungal pills without prescription

Danieltique · November 9, 2020 at 5:39 pm

ed online pharmacy ED Pills ed products

Nathanannog · November 10, 2020 at 1:33 am

lowest cialis prices cialis generic for cialis

Andrewjoigo · November 10, 2020 at 6:31 am

cost of cialis can you have multiple orgasms with cialis cialis 100 mg lowest price
cialis discount card

Nathanannog · November 10, 2020 at 12:23 pm

cialis 20 mg best price cialis for sale generic cialis without prescription

WilliamFethy · November 13, 2020 at 4:46 am

vitamins for ed online prescription for ed meds generic ed pills

WilliamFethy · November 13, 2020 at 5:16 pm

best pill for ed ed drugs over the counter the canadian drugstore

we just did hat official · November 14, 2020 at 10:18 am

Sweet blog! I found it while searching on Yahoo News.
Do you have any tips on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get
there! Many thanks

Beauty · November 16, 2020 at 6:52 pm

Thanks for your marvelous posting! I really enjoyed reading it, you might be a great author.I will always bookmark your blog and will eventually come back down the road. I want to encourage you to continue your great work, have a nice afternoon!

RobertDwent · November 18, 2020 at 3:01 am

sildenafil generic sildenafil without doctor prescription

RobertDwent · November 18, 2020 at 2:44 pm

sildenafil pharmacy buy sildenafil online

RobertDwent · November 19, 2020 at 2:42 am

tadalafil canada buy tadalafil online

DoyleCep · November 19, 2020 at 10:13 am

drugs prices https://canadaedgeneric.com/ generic drugs from india

RobertDwent · November 19, 2020 at 1:54 pm

buy generic drugs from india compare pharmacy prices for prescriptions

RobertDwent · November 20, 2020 at 12:01 am

speedy cash payday loans online payday loans no credit check

best headlamp · November 24, 2020 at 12:01 pm

Its like you read my mind! You seem to know so much about this, like you wrote the book in it or something.
I think that you could do with a few pics to drive the message home a little bit, but
other than that, this is wonderful blog. An excellent read.
I will definitely be back.

Robertusata · November 26, 2020 at 3:04 pm

cheap sildenafil sildenafil without doctor prescription

CalebDom · November 27, 2020 at 7:00 am

payday loans online personal loans with no credit check

Joshuagyday · November 28, 2020 at 9:19 am

sildenafil online https://sildgeneric100.com/ buy sildenafil online

StephenGom · November 30, 2020 at 3:39 pm

viagra without a prescription buy viagra generic buy generic viagra online

Lisaanync · December 8, 2020 at 3:27 am

fildena 120mg

Free Sex Video Chat · December 8, 2020 at 6:19 am

milf webcam

amica auto insurance · December 8, 2020 at 8:40 am

progressive auto ins

WamPrilla · December 31, 2020 at 3:05 pm

Viagra Cialis Levitra Wirkung dieweepent buy cialis online usa Arbimiorbirl cialis everyday

pamelor nortriptyline · January 8, 2021 at 4:13 pm

I am glad for writing to make you know what a incredible encounter my friend’s girl gained studying your web page. She learned plenty of pieces, which include what it’s like to possess an awesome helping mood to let other folks smoothly know just exactly several multifaceted subject matter. You truly exceeded our own expectations. Thank you for offering these necessary, safe, explanatory and even fun tips about this topic to Julie.

seroquel pills · January 9, 2021 at 6:14 am

I am also commenting to let you know of the helpful encounter my friend’s daughter found reading through your web page. She figured out numerous issues, not to mention what it’s like to have an amazing giving mood to have most people really easily know selected impossible subject areas. You really exceeded our own expectations. Many thanks for imparting the invaluable, safe, explanatory and even easy thoughts on the topic to Janet.

Margarette · January 13, 2021 at 3:56 pm

My spouse and I stumbled over here by a different website and thought I may as well check things
out. I like what I see so i am just following you.
Look forward to checking out your web page again.

Hayden · January 13, 2021 at 4:42 pm

I have read so many articles on the topic of the
blogger lovers however this paragraph is really a pleasant post, keep it up.

Amy · January 14, 2021 at 10:09 pm

Heya! I’m at work browsing your blog from my new iphone 4!

Just wanted to say I love reading through your blog and
look forward to all your posts! Keep up the outstanding work!

link · January 15, 2021 at 12:04 pm

Currently it sounds like Drupal is the preferred blogging platform available right now.
(from what I’ve read) Is that what you are using on your blog?

Peter · January 15, 2021 at 2:00 pm

Hello There. I found your blog using msn. This is an extremely
well written article. I will be sure to bookmark it and come back to read more of your useful info.
Thanks for the post. I’ll certainly return.

Julieta · January 16, 2021 at 1:45 am

Hello, i read your blog from time to time and i own a similar
one and i was just wondering if you get a
lot of spam comments? If so how do you protect against it, any
plugin or anything you can suggest? I get so much lately
it’s driving me mad so any support is very much appreciated.

Fernando · January 16, 2021 at 10:00 am

Hi would you mind stating which blog platform you’re using?

I’m planning to start my own blog in the near future but I’m
having a hard time deciding between BlogEngine/Wordpress/B2evolution and
Drupal. The reason I ask is because your design seems different then most blogs and
I’m looking for something unique. P.S My
apologies for being off-topic but I had to ask!

Rodrigo · January 16, 2021 at 12:52 pm

Just desire to say your article is as surprising.
The clearness in your post is just great and i can assume
you’re an expert on this subject. Fine with your permission allow me to grab your RSS feed
to keep up to date with forthcoming post. Thanks a million and please carry on the
rewarding work.

Meagan · January 16, 2021 at 5:45 pm

Howdy just wanted to give you a quick heads up. The text in your article seem to be running off the screen in Safari.
I’m not sure if this is a formatting issue or something to do with internet browser compatibility
but I figured I’d post to let you know. The design look
great though! Hope you get the problem resolved soon. Thanks

Lupe · January 17, 2021 at 6:12 pm

Heya i am for the first time here. I came across this board and I find It really useful & it helped me out much.

I am hoping to present something back and help others such as you helped me.

Damon · January 18, 2021 at 4:48 am

First of all I would like to say great blog! I had a quick question that I’d like to
ask if you don’t mind. I was interested to
find out how you center yourself and clear your thoughts prior to writing.
I have had trouble clearing my mind in getting my ideas out there.
I do take pleasure in writing however it just seems like the
first 10 to 15 minutes are generally wasted just trying to figure out how to
begin. Any ideas or tips? Cheers!

Josh · January 18, 2021 at 1:34 pm

Its not my first time to go to see this web page, i am
visiting this web page dailly and obtain good data
from here every day.

Omar · January 19, 2021 at 7:01 am

Hi there! I just wanted to ask if you ever have any problems with hackers?
My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no back up.
Do you have any solutions to protect against hackers?

Jaxon · January 20, 2021 at 6:33 pm

Hello everyone, it’s my first pay a visit at this website, and post is truly fruitful designed for me, keep up posting such content.

Dieter · January 21, 2021 at 3:07 pm

When someone writes an article he/she maintains the plan of a user in his/her mind that how a user can know it.

So that’s why this post is outstdanding. Thanks!

Maribel · January 22, 2021 at 12:48 am

This post is in fact a good one it assists new web viewers,
who are wishing for blogging.

Alma · January 22, 2021 at 3:49 am

Your mode of explaining everything in this piece of writing is actually nice,
all can effortlessly be aware of it, Thanks a lot.

link · January 23, 2021 at 2:50 am

If you are going for best contents like me, only pay a visit this website daily
since it offers feature contents, thanks

tinder site · January 23, 2021 at 4:35 am

tinder login, browse tinder for free https://tinderdatingsiteus.com/

Sheldon · January 23, 2021 at 2:49 pm

Thanks for a marvelous posting! I definitely enjoyed reading it, you could
be a great author. I will always bookmark your blog and definitely will come back sometime
soon. I want to encourage yourself to continue your great job, have a
nice evening!

Shonda · January 24, 2021 at 9:19 am

What’s up colleagues, good article and good arguments commented at this place,
I am genuinely enjoying by these.

Neal · January 24, 2021 at 9:58 am

Do you mind if I quote a few of your posts as long as I
provide credit and sources back to your webpage?
My website is in the exact same area of interest as yours and my visitors would
genuinely benefit from some of the information you present here.
Please let me know if this ok with you. Thanks!

Henry · January 24, 2021 at 10:50 am

Do you have a spam problem on this site; I also am a blogger, and I was wondering your situation; we have developed some nice methods and we are looking to swap solutions with other folks, why
not shoot me an email if interested.

Jessie · January 24, 2021 at 4:22 pm

Hello, I enjoy reading all of your article post.
I like to write a little comment to support you.

Stanton · January 25, 2021 at 2:00 am

Highly descriptive blog, I loved that a lot. Will there be a part 2?

Terence · January 26, 2021 at 10:18 am

This post will assist the internet people for building
up new website or even a blog from start to end.

Arlen · January 26, 2021 at 8:04 pm

I’m gone to tell my little brother, that he should also visit this web
site on regular basis to take updated from hottest news update.

Marylin · January 27, 2021 at 12:05 am

Good info. Lucky me I came across your website by chance (stumbleupon).
I have saved as a favorite for later!

Carmen · January 27, 2021 at 12:23 am

you are in reality a just right webmaster. The site loading pace is incredible.
It seems that you are doing any distinctive trick. Also, The contents are masterpiece.
you have performed a fantastic activity in this

Lucie · January 27, 2021 at 12:35 pm

I blog frequently and I truly thank you for your information. The article has really
peaked my interest. I’m going to bookmark your blog and
keep checking for new details about once per week.

I subscribed to your RSS feed too.

Stella · January 27, 2021 at 10:26 pm

I’m really impressed with your writing skills and also with the layout on your weblog.
Is this a paid theme or did you modify it yourself? Anyway keep up the excellent quality writing,
it’s rare to see a great blog like this
one today.

link · January 28, 2021 at 5:09 am

Hi colleagues, how is the whole thing, and what you want to say regarding
this post, in my view its truly amazing designed for me.

Lorene · January 28, 2021 at 12:33 pm

I am really loving the theme/design of your web site.
Do you ever run into any internet browser compatibility problems?

A couple of my blog readers have complained about my website
not working correctly in Explorer but looks great
in Safari. Do you have any recommendations to help fix this problem?

Anton · January 28, 2021 at 5:21 pm

Link exchange is nothing else except it is only placing
the other person’s web site link on your page at appropriate place and other person will also
do same in support of you.

link · January 29, 2021 at 3:09 pm

Helpful information. Lucky me I discovered your site by accident, and
I am shocked why this accident didn’t took place earlier!
I bookmarked it.

cheap flights · January 31, 2021 at 3:40 am

With havin so much content do you ever run into any problems of plagorism or
copyright violation? My site has a lot of unique
content I’ve either created myself or outsourced but it
appears a lot of it is popping it up all over the web without my agreement.
Do you know any ways to help protect against content from
being stolen? I’d certainly appreciate it.

cheap flights · January 31, 2021 at 6:00 am

Having read this I thought it was rather enlightening.

I appreciate you finding the time and energy to put this information together.
I once again find myself spending a significant amount of time both reading and commenting.
But so what, it was still worthwhile!

Rozella · January 31, 2021 at 6:40 pm

Does your site have a contact page? I’m having trouble locating it but, I’d like to send you an email.
I’ve got some recommendations for your blog you might be interested in hearing.
Either way, great site and I look forward to seeing it develop over

cheap flights · January 31, 2021 at 10:32 pm

If you desire to grow your knowledge only keep visiting this website and be updated
with the hottest information posted here.

cheap flights · January 31, 2021 at 11:53 pm

Thank you for the auspicious writeup. It in fact was a amusement account it.

Look advanced to more added agreeable from you! However, how can we communicate?

Manuel · February 1, 2021 at 4:07 am

Thank you a bunch for sharing this with all folks you actually
recognise what you’re talking approximately! Bookmarked.
Kindly additionally consult with my web site =).

We may have a link alternate arrangement between us

cheap flights · February 1, 2021 at 7:37 am

I used to be recommended this website by way of my cousin. I’m not positive whether or not this submit
is written via him as nobody else understand such specific about my trouble.
You’re wonderful! Thank you!

Mario · February 1, 2021 at 9:05 am

Hi to all, how is everything, I think every one is getting more from this
web page, and your views are fastidious designed for new users.

link · February 1, 2021 at 5:19 pm

Genuinely no matter if someone doesn’t know after that its up to other visitors that they will help, so here it takes place.

Florene · February 2, 2021 at 12:10 am

Thanks for sharing such a nice thought, post is fastidious, thats why i have read it fully

tinyurl.com · February 2, 2021 at 2:43 pm

What’s up, for all time i used to check weblog posts here in the early hours in the dawn, since i like to find out more and more.

cheap flights · February 2, 2021 at 4:05 pm

Hi Dear, are you really visiting this web site on a regular basis,
if so then you will definitely get good knowledge.

cheap flights · February 2, 2021 at 4:12 pm

Pretty nice post. I just stumbled upon your weblog and wished to say that I have truly
enjoyed surfing around your blog posts. After all I will
be subscribing on your rss feed and I am hoping you write
once more soon!

tinyurl.com · February 3, 2021 at 12:37 am

It’s really a great and helpful piece of info. I’m glad that you shared this useful info with us.
Please keep us up to date like this. Thank you for sharing.

zortilo nrel · February 7, 2021 at 7:48 pm

I actually wanted to post a small word to appreciate you for all the fabulous concepts you are posting here. My time-consuming internet investigation has at the end been rewarded with high-quality facts and techniques to write about with my family. I would repeat that many of us website visitors actually are undeniably lucky to exist in a notable community with so many wonderful people with very helpful techniques. I feel somewhat privileged to have used the website and look forward to plenty of more fun times reading here. Thanks a lot once again for everything.

http://tinyurl.com/y2zdy8yp · February 11, 2021 at 6:46 pm

My partner and I absolutely love your blog and find nearly all of your post’s to be precisely what I’m looking
for. can you offer guest writers to write content to suit your
needs? I wouldn’t mind producing a post or elaborating on some of
the subjects you write concerning here. Again, awesome blog!

marijuana blog · February 11, 2021 at 11:15 pm

A man should choose a friend who is better than himself. There are plenty of acquaintances in the world but very few real friends.

orange weed strains list · February 16, 2021 at 6:50 pm

Its tough trying to keep your feet on the ground your head above the clouds your nose to the grindstone your shoulder to the wheel your finger on the pulse your eye on the ball and your ear to the ground.

ClarkLep · February 28, 2021 at 12:17 pm

1nmej 82ox8 ghfb

Leave a Reply

Your email address will not be published. Required fields are marked *