Home insurance coverage for San Jose, CA homeowners depends on the home’s size, condition, and value. If these factors change after you renovate your home, you’ll want to update your home insurance company to make sure you still have adequate coverage.
How to Update Your Insurer
It’s a good idea to talk with your insurance agency before you make renovations. Explain the changes you’ll be making and ask how they would affect your policy. Your insurance agency may want to have your home appraised again if the renovations will add value to the house or property. If you’re installing a new feature that increases the likelihood of accidents (i.e., a pool or inground trampoline), your insurance agency may recommend that you either increase your home insurance liability limit or buy an umbrella insurance policy.
Some home renovations, such as installing smoke detectors and replacing your roof, can lower your policy cost. However, it’s not uncommon for home renovations to increase the cost of your policy. If your new policy quote is higher than you’d like, talk to your insurer about your options. Alternatively, you can consider getting quotes from other insurers to see if you can find a better deal.
Home Insurance Help from Bayshield Insurance
Bayshield Insurance offers multiple home insurance coverage options to San Jose, CA homeowners of all ages and walks of life. If you already have coverage from our company, call us if you’re renovating your home, and we’ll help you update your policy to suit your new needs. If you need insurance for a newly purchased home or want to switch from your current insurer, contact us to learn more about your options or get a policy quote.
