Tag: vacant remodel insurance

When Home Insurance Doesn’t Cover Your Remodel Project

Last week, I wrote about when home insurance may cover a remodel project (see https://wiseinsurancegroup.com/will-home-insurance-policy-cover-remodel-project/). It may hinge on if the home is occupied as most home insurance companies do not want to write a policy when a home is vacant. In cases when your home insurance policy won’t cover the project, then I suggest either a vacant remodel or builder’s risk policy.

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Vacant Remodel vs Builders Risk Insurance

A couple of weeks ago, I wrote about insurance for fixer uppers and homes being remodeled and mentioned vacant remodel and builders risk insurance (see https://wiseinsurancegroup.com/home-insurance-remodels-fixer-uppers/). I touched on a couple of their differences but wanted to dive a little deeper into how they are alike, how they are different, and when one may be a better fit than the other.

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Fixer Uppers and Builders Risk Insurance

Last Monday I introduced David and Deb (not their real names). They’re a couple who just purchased a home in east Dallas they plan to completely renovate. The home was originally built in 1962 and has never been updated. They’ll gut it and bring it up to date in a contemporary style befitting the original vision the architect had when it was first built.

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