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Make Sure Your Home Insurance Fits the Bill

Your home insurance policy is designed to protect you in the event that your home or possessions are damaged. However, your policy may not provide you with adequate protection during construction on your home. Learn what you can do to minimize risk and make sure that your home improvement projects go off without a hitch.

Increasing Home Insurance Coverage to Include the Improvement

Are you planning to add a room onto your home? How about a custom kitchen? No matter your home improvement plans, changing the structure alters your home insurance needs. You may need to increase the coverage on your home insurance opens in a new window policy after construction is complete. Ask your agent if your new design will require an addition to your policy. Be sure to include details about expensive new appliances and furniture, as well as flooring. In the event that something happens to your home, you need adequate coverage from Marine Agency Insurance to minimize your share of repairs or replacement.

Builder’s Risk Insurance

Before you can reassess your home insurance opens in a new window needs, you should consider your construction plans. Your home is at greater risk for damage while you gut your kitchen or add another bathroom. Builder’s risk insurance provides extra coverage for the building while you work on your home improvements. When you start shopping for contractors to make your dream a reality, ask them about their insurance qualifications. Then, ask your agent about builder’s risk insurance for your home projects.

The home improvement shows rarely discuss the importance of examining your insurance needs during home improvement. With a renegotiated policy and builder’s risk insurance, you can enjoy your newly designed home without worrying about disasters ruining your investment.

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Main Office

422 US Hwy 22 W, Unit 7
Whitehouse Station NJ 08889

Local: 908-838-9762

Toll-Free: 84-INSURE-NJ (844-678-7365)


9 AM - 5 PM , Monday - Thursday;

9 AM - 4 PM, Friday

Mailing Address

PO Box 125
Whitehouse Station NJ 08889

Local: 973-763-4711

Toll-Free: 800-35-MARINE (800-356-2746)