Planning a home renovation in Texas can be exciting—but it can also come with risks. Whether you’re remodeling your kitchen in Houston or adding a new room in Austin, it’s smart to think about how these changes might impact your existing homeowners insurance. At Wise Insurance, we help Texans understand their options when it comes to protecting their homes during renovation projects.
Home renovations insurance typically refers to additional protection or endorsements you may need while your home is being renovated. Depending on the scope of your project, standard homeowners insurance might not fully cover damage or liability that could arise during construction. In Texas, where weather, contractor regulations, and building codes vary, having the right insurance during a renovation can be a valuable safety net.
Rather than a standalone policy, “home renovations insurance” often includes a mix of coverage adjustments, such as increased dwelling coverage, builder’s risk endorsements, or liability considerations, tailored to your specific situation.
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Home renovations can create unique exposures that may not be covered by your standard policy. For example, bringing in contractors, opening up walls, or leaving parts of your home unoccupied could increase the chances of property damage or injury. In Texas, homes may also face challenges such as heavy rain, hail, or heatwaves during renovations.
Without updating your insurance, you could be at risk for gaps in coverage if something unexpected happens. From theft of building materials to fire damage or an injured worker, it’s important to consider how your home and finances would be affected.
Not always. Some homeowners policies in Texas may cover minor cosmetic upgrades without requiring changes to your policy. However, larger renovations—like structural changes, additions, or major electrical or plumbing work—could fall outside the scope of standard coverage.
It’s a good idea to speak with a local insurance professional before your project begins. At Wise Insurance, we help Texas homeowners evaluate their renovation plans to determine whether policy updates, endorsements, or separate coverage like builder’s risk insurance could be appropriate.
Every home improvement project comes with some degree of risk. Here are a few potential issues to be aware of during renovations in Texas:
Understanding these risks can help you decide what kind of protection makes sense for your project.
Before swinging a hammer or calling a contractor, it’s wise to review your current homeowners insurance and renovation plans. Here are a few things to think about:
At Wise Insurance, we understand the unique challenges of insuring homes in Texas—especially when renovations are underway. Our team takes the time to:
We work with multiple top-rated carriers to help find solutions that make sense for your home, your project, and your budget.
Any renovation that affects your home’s structure, safety, or value may require a conversation with your insurance agent. Common examples include:
Even landscaping changes, solar panel installations, or new fencing could have insurance implications in some cases.
The best time to review your policy is before your renovation begins. That way, you can address any issues ahead of time—rather than dealing with complications after something goes wrong.
If you’re already in the middle of a project, it’s still worth reaching out. Depending on the status of the renovation, we may be able to help you make mid-project adjustments.
Once your renovation is complete, it’s also smart to update your homeowners insurance to reflect the increased value and improved features of your property.
As a Texas-based independent insurance agency, Wise Insurance is committed to helping our neighbors protect what matters most. We’re not tied to a single carrier, which means we can offer personalized guidance and multiple policy options tailored to your unique renovation project.
Our local knowledge helps us address the specific concerns that Texas homeowners face—whether it’s navigating insurance after a hailstorm or helping you understand how a remodel affects your coverage. We’re here to make the process simple and stress-free.
Whether you’re planning a full home makeover or a small upgrade, we’re here to help. Contact Wise Insurance today for a free consultation and learn how we can help protect your Texas home throughout your renovation journey.
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