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There are a lot of fun aspects to remodeling your home: You get to “fix” whatever has been bugging you about the home’s design Wholesale Larry Johnson Jersey , you could increase your home’s value, you get to make design choices that make your home feel more comfortable, and you get to see your visions and dreams translated from paper to real life.

There are a few parts of renovation, however Cheap Frank Kaminsky Jersey , that aren’t so glamorous and might be overlooked by first time home renovators. One of these is the issue of insurance. It’s not something to wait to worry about until the project is finished or even well-underway. Insurance needs to be one of the first things you address as part of your renovation plan.

Contact your home insurance carrier

writer Rosalie Donlon said that first, you should “contact your home insurance carrier or broker to confirm whether your policy covers your home and property while it’s being remodeled.” They might suggest you move furniture from the affected areas of the home to an on-site storage container for the duration of the remodel.

Check out your contractor’s insurance

You might assume that all general contractors carry the appropriate insurance coverage, but it isn’t true. Before you hire a contractor, ask to see their insurance certificate. “The GC is responsible for property damage Cheap Cody Zeller Jersey , injuries on the job site, and negligence in workmanship,” said Donlon. This should all be covered by their general liability and worker’s compensation insurance.

Consider buying a builder’s risk policy

Renovations often leave your home vulnerable to theft, and while theft of your own property might be covered by your insurance Cheap Kemba Walker Jersey , theft of your contractor’s tools and materials probably won’t be. That’s why your broker might suggest purchasing a builder’s risk policy for the duration of construction.

A builder’s risk policy could also cover a situation like the one Donlon described: “You may be enclosing a deck to add a new room, for instance, and the new electrical system malfunctions after the electrician installs it, causing fire damage to both the existing house and new space.” The contractor’s liability policy would cover the fire damage to your existing home Cheap Michael Kidd-Gilchrist Jersey , but not whatever new construction work they’ve completed. A builder’s risk policy would cover the cost of repairing the addition.

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