Does My Insurance Cover Home Renovations?

Your homeowner’s insurance may provide coverage for minor renovations you made to your home before a covered loss. However, if your renovations include things like adding a room or installing a pool, your policy may need to be updated to provide additional coverage.
What does homeowners insurance cover?

Typical homeowners insurance policies protect your home and your personal property from damage caused by several unforeseen events including:

  • Fire
  • Windstorm
  • Hail
  • Lightning


Your policy typically includes dwelling coverage to help pay to repair or rebuild your home if damaged or destroyed by a covered cause of loss.

Many policies also provide coverage for other structures on the property that are not attached to your home, such as:
  • Garages
  • Sheds
  • Fences
Additionally, many policies offer:

While standard policies generally don’t cover remodeling expenses, they do often provide coverage for damages that may occur during the renovation process. For instance, if a fire were to break out during construction or if your property were to sustain damage due to a covered peril, such as vandalism or theft, your insurance may help cover the cost of repairs or replacements.

It’s essential to review your policy carefully and consider discussing your remodeling plans with your Raymond Nelson insurance agent. We can offer guidance on any potential coverage gaps and advise you on whether additional insurance, such as a builder’s risk policy or a renovation endorsement, may be necessary to protect your investment adequately.

If you have any further questions or need assistance navigating your homeowner’s insurance coverage, please don’t hesitate to reach out. We’re here to help ensure you have the information and protection you need throughout your remodeling journey.

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.