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Summer Renovations & Your Home Insurance

Posted Jul 28th, 2016 in Did You Know?, General, Home Insurance, Insurance Tips

Summer is here and with that comes home renovations; in particular, outdoor updates that help you enjoy the weather.  However, many are not aware of the impact such renovations can have on your home insurance.

Renovating your home this summer

Summer Home Renovations & Insurance, Youngs Insurance, OntarioIf you are planning on renovating your home this summer by adding a deck, patio, swimming pool, etc., it is essential that you inform your insurance broker as these renovations can impact your home insurance.

When dealing with home renovations, contacting your insurance broker is important for a variety of reasons. Since renovations can add value to your home, they may need to update your home insurance coverage, to ensure you are fully protected. If you are considering making changes to your property, it is important to speak with your insurance broker.

Summer renovations that should be reported

Here is a list of some of the summer renovations you should inform your insurance broker about (this is not a complete list; all renovations should be reported to your insurance broker to ensure coverage). 

  • Pool (both in-ground & above)
  • Hot tub
  • Landscaping
  • Deck, patio, porch additions
  • BBQ & fire pits
  • Trampoline
  • Treehouse
  • Outdoor buildings, gazebo, shed
  • Roof
  • Alarm System (addition or updates)
  • Wiring
  • Green initiatives (solar panels, wind turbines, etc.)
  • Smoke Alarms / Carbon Monoxide Detectors
  • Locks – new and improved

Some renovations are accompanied by higher liability and risk, which is why it is important to discuss everything with your insurance broker. Your broker will ensure that all your new additions and updates are covered on your home insurance policy.

If you have any questions about your summer renovations, please contact your Youngs Insurance broker today!

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