Have you recently renovated your home?

It is important to protect your new additions and upgrades. Often times you purchase a home and at a later date want to renovate it to truly make it your own. Completing unfinished areas, such as basements, upgrading your kitchen and bathrooms, or even adding whole new areas to your home need to be protected. Most insurers need to know of any improvements, betterments or additions that total about $10,000 or more. Now each company is different and each has their own requirements. Do not forget to insure these new additions by calling your broker to do an updated reconstruction cost evaluator. Renovations to your home that increase the reconstruction cost of your home need to be included in your current policy values. It is important to advise the insurance company of the new value to ensure your home is properly protected against any future loss.