{"id":475,"date":"2016-08-20T17:13:44","date_gmt":"2016-08-20T17:13:44","guid":{"rendered":"http:\/\/www.keystoneinsurance.us\/?p=475"},"modified":"2016-08-20T17:13:44","modified_gmt":"2016-08-20T17:13:44","slug":"do-renovations-change-my-home-insurance","status":"publish","type":"post","link":"https:\/\/keystoneinsurance.us\/?p=475","title":{"rendered":"Do Renovations Change My Home Insurance?"},"content":{"rendered":"

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Are you considering renovating your home in the near future?\u00a0 Or maybe you just recently did some updates?\u00a0 If so, you might need to take a look at your home insurance!<\/p>\n

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When you start your home insurance policy, your agent takes some basic information on the property.\u00a0 How many bedrooms?\u00a0 How many bathrooms?\u00a0 How much square footage?\u00a0 As well as the number of fireplaces, the kind of foundation, and the last time the roof was replaced.\u00a0 All of this information is used to estimate the cost to replace the house if it were to suffer a claim.<\/p>\n

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You may have noticed that your home is insured for quite a bit more than you originally paid for it, and maybe even a lot more than you could sell it for in the current market.\u00a0 That\u2019s because home insurance is based on the cost to REPLACE<\/strong> a home to it\u2019s current standard based on the cost of building materials, etc.\u00a0 It\u2019s not based on what you paid or the current market value.<\/p>\n

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So when you make renovations, you could be changing the replacement cost, which would need to be reflected in your home insurance policy.\u00a0 This is especially important if you add square footage or an additional bathroom!<\/p>\n

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You\u2019ll also want to consider the type of building materials used on your home.\u00a0 Your policy may have been estimated with \u201cbuilder grade\u201d materials.\u00a0 This simply means that your countertops, mirrors, cabinets, etc. are pretty basic and less expensive.\u00a0 But if you update the kitchen and put in high end granite countertops, new cabinets, and top of the line appliances, you\u2019re increasing the amount that the home needs to be insured for!<\/p>\n

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How will this affect your premiums?\u00a0 Usually not a whole lot!\u00a0 Yes, if the home needs to be insured for more, you might pay slightly more, but it\u2019s not going to be a significant difference unless you\u2019re adding a large amount of square footage.\u00a0 Talk to us about your renovations so we can recommend the best coverage options!<\/p>\n

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We love helping families save on their insurance.\u00a0 Call today for a quote!<\/p>\n

Zappia Insurance & Financial Group<\/strong><\/p>\n

Toll-Free: 1-800-569-2867<\/strong><\/p>\n

Du Bois: (814) 371-4901<\/strong><\/p>\n

Pittsburgh: (412) 265-6383<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

  Are you considering renovating your home in the near future?\u00a0 Or maybe you just recently did some updates?\u00a0 If so, you might need to take a look at your home insurance!   When you start your home insurance policy, your agent takes some basic information on the property.\u00a0 How many bedrooms?\u00a0 How many bathrooms?\u00a0 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[10,9],"tags":[],"class_list":["post-475","post","type-post","status-publish","format-standard","hentry","category-homeowner-tips","category-insurance-tips"],"aioseo_notices":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5ZNiF-7F","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/475","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=475"}],"version-history":[{"count":1,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/475\/revisions"}],"predecessor-version":[{"id":477,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/475\/revisions\/477"}],"wp:attachment":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=475"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=475"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=475"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}