This post is sponsored by Allstate. I only work with brands I believe in, so thank you for helping me to support them. 
As you all know, we’re currently undergoing some serious home renovations. If you haven’t seen, please go check out my stories for our backyard reno. As you can see, it’s a HUGE project. After the backyard we plan to redo our screened in porch and our master bathroom. While renovations can be exciting, there are a lot of boxes to be checked. And there’s one in particular you may have forgotten about- home insurance!
Home Renovation Checklist
We almost did. But calling your agent is extremely important step for any home renovation checklist. Of course, my dear friends at Allstate have so many helpful articles on this, as well as how to have a successful project etc. I will link to all of these below. This is what I’ve learned from our current backyard fiasco, and from reading these helpful posts by Allstate:
- Notify your agent as soon as you decide to move forward on any home upgrades.Depending on the size of the project, you may want to increase your policy coverage. Goodness forbid something goes wrong and your house is ruined, you want your whole house to be covered including what you’ve put into the new reno.
- Ask your agent what policy changes you should make! That’s what they’re there for.
- Make sure your contractors, and anyone subcontracted out, have sufficient insurance to cover any injuries.
- If you’re doing it yourself, you may want to raise your no-fault medical protection policy on your home. Again, this is why you need to talk to your agent. They will guide you on best practices.
- Make sure to read this Renovation Run down article.It will help you build your home renovation checklist!
Some other articles provided by Allstate that I found extremely helpful are:
Does Homeowners Insurance Cover Home Renovation projects?
5 Simple Low-Budget Home Renovations
3 Ways to Dispose of Renovation Waste
Loving this home renovation checklist feature? Take a look here for more of my decor favorites!
This post was written as part of the Allstate Influencer Program and sponsored by Allstate. All opinions are mine. As the nation’s largest publicly held personal lines insurer, Allstate is dedicated not only to protecting what matters most–but to guiding people to live the Good Life, every day.
Oh gosh! We are about to start some renovations thanks to some HIDDEN “gems” my husband and I found in our house not too long ago. I AM SUPER EXCITED but also a little intimidated!
I never even thought about the insurance side of home renovation! We’ve never done anything major in our house, just updated paint, decor, things like that. But, we want to build our own home in the next few years so this is good to think about for that, too.
Oh, dear, haha! Our current home “renovations” started with a call to our agent, because they are the result of some flooding back in May! Thank goodness our homeowner’s policy covered almost all the damage – our out of pocket expenses are less than $1K (including our deductible), which is a fraction of what all this has cost!
I never thought to contact an insurance company when doing home renovations, thats such a smart idea!
This is a really useful checklist – I’ve never thought about the insurance side of doing work on the house before! Will have to remember this for next time…
Thank you for this informative post! We will be first time home owners next week — should’ve been this week but that massive hurricane is headed that way. I’ll definitely reflect back to this post about the insurance side of renovating!
Practical tips for an exhilarating task. But I find it interesting and going to take help on my next renovation.
These are some great tips! We are starting to plan for some renovations in our home so I really needed to read this!
First of all, your kids are adorable! Secondly, umm… didn’t even know it was something we should have done before recently doing our own home renovations! We have done both indoor and outdoor beautification projects recently. Guess it’s time to check with our insurance agent, even if it’s after the fact.
Consulting your agent is something I had never thought of before. That is such a great tip! Love this checklist.
Such a useful checklist! Didn’t really think about the insurance side before! And by the way, I love your photos.
I didn’t even think about the need to call the home owner’s insurance company. We are going to be renovating our home in the next year and I’m a little scared and a little excited!
These are great tips! Especially the one about medicals if you are doing the renovations yourself. x
Thanks for the heads up to call a realtor before starting a home renovation project. Aside from this, my tip before starting a project is to find a reliable construction supplier. Doing this will not only assure one of a durable house while increasing property value as well.
Awesome tips that everyone can follow through when planning a renovation. Thanks for sharing.