There are many questions that might run through your mind when you consider remodeling your home. Perhaps where to add a sun-room, what kind of cupboards of countertops would look best in the kitchen, or what color the new wallpaper should be. These are only a few of the endless decisions you may face, depending upon the extent of your remodeling. But before you take any action, one additional question you should ask yourself is, "Do I have enough insurance to cover these changes?"

Before the remodeling process begins, thoroughly review your homeowners policy to be sure your plans will be covered. If you decide to redo an existing room or add a completely new room, you may need to update your policy with an increase in coverage. This evaluation of your insurance is important even if your remodeling is minor, but it is essential if the changes will amount to $5,000 or more.

The efforts you put into improving your home will be considerable. If you are planning to add anything of value, we would be happy to see if more insurance would be worthwhile. Adequate insurance coverage will protect your hard work and allow you to enjoy the results without unnecessary worry.