How renovations affect your home insurance

A new roof can lower your premium. A pool can raise it. Here is what to tell your insurer, and when.

By the InsuranU team Updated July 20264 min read

Renovations change your risk, your rebuild cost, or both, and your insurer needs to know either way.

Upgrades that can lower your rate

Report major renovations as soon as they are complete. Being under-insured after an addition, or missing a discount U earned, both cost U money.

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A short yearly check to keep your policy accurate.

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Will my premium definitely change after a renovation?

Not always, but it is worth confirming with your insurer so your coverage stays accurate.

What if I forget to report a renovation?

Under-reporting can mean U are under-insured, or paying for coverage U no longer need. Update it when U remember.

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