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Home Renovation Insurance

Home Insurance Add-On

  • Protect your home and building materials
  • Avoid financial setbacks during your home renovation 
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    What is home renovation insurance?

    Home renovation insurance is an add-on to your standard homeowners policy. It helps you avoid setbacks by protecting your home and building materials from the unexpected.
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    How Home Renovation Insurance Helps Protect Your Home

    Home renovation insurance can help you protect your dream remodel. It gives you the support you need after setbacks, such as stolen or damaged materials.** Learn more with these examples.
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    Did you know?
    Home renovations can change your property's value. When finished, ask your insurance agent to help you adjust your policy to ensure your home has the required coverage.
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    Damage to Building Materials

    The forecast predicted great weather all day. After you start building your new gazebo, a sudden windstorm damages your materials and tools. Home renovation insurance can help you replace your stuff.*
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    Theft of Construction Materials

    You and your licensed contractor friends take a break from your kitchen remodel to grab lunch down the street. While gone, someone breaks in and steals the building materials you recently purchased. Your home renovation insurance can help replace them.*
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    Foundation Collapse

    During your basement remodel, your foundation collapses from hydrostatic water pressure. Home renovation insurance can help you repair it.*
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    Frequently Asked Questions

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    90+ Years

    Over 90 years in business protecting our customers
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    Ranked by Forbes

    Named one of America’s Best Insurance Companies by Forbes
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    12 Million Customers

    Reliable, quality coverage for customers across 19 states

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    *The information on these web pages represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.

    Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.

    This article is for informational purposes only and includes information widely available through different sources.

    **Good for 60 days and can be extended for an additional period of 60 days if needed. Additional charges apply.

    ***Safe, Secure, Smart Home Discount (Advance policies only – all states except MN) Policyholders may qualify for the Safe, Secure, Smart Home discount when installing and activating an eligible smart home device. Discounts and savings amounts and eligibility will vary. Some restrictions apply. Discounts may vary by state, property, policy form and company underwriting the homeowners policy. Discounts may not apply to all coverage on a property policy.