Your home insurance typically covers your house’s structure, personal belongings, and civil liability, even during renovations. However, these works can influence the cost and scope of your coverage.

Home renovation can bring its share of challenges, especially regarding insurance. We’re here to help you see things clearly, ensuring you’re well protected throughout your work.

What Does Home Insurance Protect?

Home insurance protects you against unexpected events. Here are the main coverages it includes:

• Your house structure: walls, roof, foundation
• Your personal belongings: furniture, clothing, electronics
• Your civil liability: in case of damage to others

Don’t forget to update your property’s reconstruction value after major work. Indeed, renovations increase the property’s value.

Why Do Renovations Influence Your Premium?

Renovations modify the risk associated with your home, directly impacting your insurance premium. On one hand, improving installations like electricity or plumbing can reduce your premium. On the other hand, major work often requires additional coverage.

During construction, you must notify your insurer of any significant renovation project on the building. This transparency will allow you to adjust your contract and avoid unpleasant surprises.

Roles and Obligations of Your Insurer During Construction

Your insurer must maintain coverage according to the established contract. However, certain conditions apply:

• Verify you have all necessary permits if required by the nature of the work
• Ensure your contractor is certified for the type of work they’re mandated to do

Main Exclusions to Know Before Renovating

Before starting your renovations, be aware of common exclusions:

• Work done without permits
• Using an uncertified contractor
• House left unoccupied for an extended period

Be careful with specific risks related to adding installations like a spa or pool. These additions may require adjustments to your insurance policy. If in doubt, don’t hesitate to contact your insurer (or broker). They can guide you on the best ways to protect your property during and after renovations.

How to Protect Your Home During Renovation

Preventing Water and Fire Damage

To reduce the risk of water and fire-related incidents during your work, here are some essential preventive measures:

• Install water detectors near risk areas
• Regularly check your electrical installations
• Carefully control heat sources on the construction site
• Ensure plumbing is well protected during work
• Cover sensitive materials to prevent water damage
• Keep a fire extinguisher easily accessible

These simple actions will help minimize the risk of costly damage during home renovation.

Securing Construction Materials to Prevent Theft

Theft of materials from construction sites is unfortunately common. Here’s how to secure your property:

• Store materials in a locked and monitored location
• Install a temporary alarm system on site
• Limit the presence of expensive materials on site
• Ask neighbors to keep an eye on the property
• Well-light the construction site at night to deter thieves
• Check if your home insurance covers material theft

Remember that your insurance can protect against theft if you meet certain conditions.

Reducing Loss Risk Through Civil Liability

Civil liability plays a crucial role in protecting you in case of damage to third parties:

• It covers accidental damage you might cause to others
• Require proof of civil liability insurance from your contractor to limit your risks
• Verify coverage is sufficient for your construction or renovation project
• Inform your insurer of the planned work scope
• Keep written records of all communications with stakeholders

Good civil liability coverage ensures better peace of mind.

Managing Costs and Negotiating with Your Broker

Comparing Insurance Premiums to Save

Comparing insurance premiums with a broker saves time, money, and provides personalized advice. As they have access to multiple companies, brokers can shop for you and find the best coverage for your profile, often at a better price than if you did it alone.

Better Anticipating Project Duration to Limit Premium Increases

Carefully planning your work schedule can save you big on insurance. A shorter construction period means less risk for insurers. Here are some useful tips:

• Prepare your project well before starting work
• Choose reliable and efficient contractors
• Plan for contingencies, but stay realistic about the amount
• Closely monitor progress and intervene if necessary

In some cases, reducing duration can help you obtain a lower premium. Talk to your broker; they can negotiate with the insurance company on your behalf.

Leveraging Your Insurance History with Insurers

Companies appreciate reliable clients. If you have a good record, highlight it! Your broker can use it to negotiate better terms. In some cases, it can even tip the balance if your file is borderline for coverage.

But a good history builds over time. Take care of your record; it will serve you for future insurance policies.

Get a Home Insurance Quote Today!

Renovating your home and want to be well protected? At Gendron Assurance, our expert team accompanies you in choosing the best coverage adapted to your needs and project.

Fill out our home insurance questionnaire to get your free quote. We take care of everything for your peace of mind!

Frequently Asked Questions About Home Insurance During Work

When Should We Inform the Insurer About Our Renovation Projects?

You should contact your insurer before starting renovations. This step is crucial as work can modify your property’s reconstruction value, thus influencing your coverage and premiums. Don’t forget to obtain necessary permits to avoid claim denials following an incident.

What Damages Are Never Covered During Work?

Common exclusions include damage caused by prolonged vacancy or lack of permits. Your insurance might refuse to compensate you if renovations are done by an uncertified contractor or without respecting safety standards.

Is It Possible to Suspend the Insurance Policy During Renovation?

While suspension is possible, it leaves your site vulnerable to material theft and unexpected damage. Continuous protection is generally wiser for your peace of mind.

How to Use Civil Liability in Case of Loss?

Civil liability covers damage caused to others during your renovations. In case of an incident, quickly contact your insurer to report the loss. Clearly distinguish between your responsibility and the contractor’s.