As the warmer seasons approach, homeowners tend to add home renovations and repairs to their to-do lists. People want to upgrade their kitchens and bathrooms, build decks and sunrooms, and give their home an overall fresh and updated look. 

The fun aspects of a renovation, like scrolling through Pinterest for ideas and reading interior design blogs, are underway, but what might not be at the forefront of their minds are their home insurance carriers. 

Before starting any home improvement project, you should review your home insurance coverage. Premiums are based on the value of your home and its contents at the time you purchased your policy. Many home improvements boost your home’s value, which means your coverage is no longer adequate and could leave you vulnerable to losses. You could even save money by upgrading your policy as there may be home improvements that can lower the cost.

Some renovation projects may have more of an effect on your insurance coverage while others may not. Here are a few home improvement projects to talk to your agent about:

• Adding a pool
• Expanding your home with an addition
• Upgrading your kitchen or bathroom
• Replacing the roof
• Installing new windows and doors