Many condo owners plan renovations before the new year to refresh their living space or increase property value. While upgrades are exciting, they can also affect insurance coverage. As an insurance company, we often see claims delayed because renovations were not reported in advance. Sharing the right details helps keep coverage aligned with your home’s new condition.
Changes to walls, flooring, plumbing, or electrical systems can affect risk levels. Even small layout changes may alter coverage needs. Informing us early ensures your policy reflects the updated structure.
New kitchens, bathrooms, flooring, or built-in features increase the value of your condo. Without updating coverage limits, you may be underinsured. Adjusting limits protects your investment.
Licensed contractors reduce risk. Sharing contractor information and timelines helps confirm that work meets safety standards. This can help prevent claim disputes later.
Renovations increase risks like fire, water damage, or theft. Temporary coverage adjustments may be needed during construction. Notifying us allows proper protection during this period.
Condo renovations often need HOA approval. Insurance coverage works best when renovation plans follow association guidelines. This avoids conflicts if damage affects shared areas.
Renovations bring value and comfort, but they also change insurance needs. Informing your insurer before work begins keeps coverage accurate and claims smooth. As an insurance company, we help condo owners update policies so renovations remain a positive experience from start to finish.
Life insurance feels simplest when it matches your life stage. In your 20s you are building your base. In your 30s responsibilities often grow with a home, family plans and bigger monthly costs. In your 40s you usually focus on protecting what you have built and keeping long-term goals on track. Later, the goal is […]
Most of us think about money in terms of paychecks, rent or mortgage, gas and grocery runs. What often gets missed are the surprise events that can knock a careful budget off track. Umbrella insurance is one of those lesser-known tools that can help protect your savings when life does not go according to plan, […]