Does Homeowners Insurance Cover Home Improvements?

  1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    If you are having home improvements completed just as a regular course of proper home maintenance, then insurance will not cover the cost.  However, be sure to check with your Insurance professional to see if your Homeowners Insurer offers discounts for such things as putting on a new roof or upgrading your electrical, plumbing or HVAC systems.
    Answered on January 21, 2014
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  2. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    Homeowners insurance will cover any improvements that you make to the home. However you will need to call your agent to discuss the improvements so that they can be documented on your policy. Your policy should always have all the correct characteristics documented so there are no problems in the event of a claim. Also you can discuss any potential discounts that may be available due to the upgrades.
    Answered on January 21, 2014
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