Introduction: Why Insurance Matters for DIY Home Improvement
Tackling home improvement projects yourself can be rewarding, cost-effective, and even fun. From painting a spare bedroom to installing new fixtures, the DIY route offers homeowners flexibility and a sense of accomplishment. But what many DIY enthusiasts overlook is how these projects interact with their homeowner’s insurance policy. Does your policy cover accidental damage during renovations? What if you cause a leak while installing a new faucet? Are friends helping you considered insured if they get hurt? And will your insurer pay for errors you make—deliberate or not? Understanding exactly what your insurance does and does not cover is crucial before you ever pick up a hammer. In this article, we’ll dig deep into the insurance essentials for DIY home improvements, clarify common exclusions, and provide actionable steps to ensure you’re properly protected. Whether you’re repainting your kitchen or finishing a basement, this guide will help you avoid costly surprises and make informed decisions every step of the way.
Understanding Homeowner’s Insurance Basics
What Standard Homeowner’s Insurance Covers
Most standard homeowner’s insurance policies provide coverage for the structure of your home (dwelling), personal property (your belongings), liability (in case someone is injured on your property), and additional living expenses if your home becomes uninhabitable due to a covered event. These policies are designed for accidental and sudden damage, not gradual wear and tear or damage caused by neglect.
- Dwelling Coverage: Pays for repairs to your home’s structure from covered perils like fire, wind, or vandalism.
- Personal Property: Covers damage to belongings, usually up to a set limit.
- Liability Protection: Protects you if someone is injured on your property and sues.
- Additional Living Expenses: Pays for temporary housing and meals if your home is unlivable due to a covered loss.
Typical Exclusions Relevant to DIY Projects
What’s not covered is just as important, especially for DIYers. Most policies exclude:
- Damage caused by faulty workmanship, whether done by you or an unlicensed contractor.
- Normal maintenance or wear and tear.
- Intentional damage or gross negligence.
- Improvements that violate local building codes or lack proper permits.
- Injuries to yourself or household members (liability only covers guests or third parties).
Understanding these exclusions is vital for planning and budgeting your project.
DIY Renovations: What’s Usually Covered?
Accidental Damage During DIY
If you accidentally start a small fire while refinishing floors or break a window during a project, your policy may cover the damage, but it often depends on the circumstances. Insurers will investigate whether the damage was accidental, sudden, and not due to gross negligence or code violations. For example, a paint spill onto your carpet might be covered, but flooding your basement by improperly installing a sump pump likely won’t be.
Liability for Injuries
If a neighbor or friend is helping you install drywall and gets injured, your liability coverage could apply—if you’re not paying them and it’s clearly a friendly favor. If you’re compensating them in any way, they may be considered an employee, which is not covered under standard liability. Always check your policy or talk to your agent before inviting helpers.
Personal Property During Renovations
Your personal belongings are usually covered for damage caused by sudden events (like a fire started during renovations), but not from gradual damage or poor workmanship. Keep records and photos of your belongings before starting big projects, just in case.
What’s Not Covered: Key Exclusions for DIYers
Workmanship and Faulty Repairs
Homeowner’s insurance policies almost universally exclude damage resulting from poor workmanship. For example, if you incorrectly wire a new light fixture and cause an electrical fire, the insurer may deny your claim. The same applies to plumbing leaks from improperly installed pipes and any collapses due to substandard carpentry.
Building Code Violations and Unpermitted Work
Insurers will not cover damage resulting from upgrades or repairs that violate local codes or lack proper permits. If you finish a basement without the required permit and a fire occurs, your claim may be denied—even if the cause isn’t directly related to your work. Always check permit requirements before starting.
Injuries to Household Members
Your policy’s liability coverage does not extend to injuries suffered by you or members of your household, even if they’re helping with renovations. Medical payments coverage typically applies only to guests, not residents.
Normal Wear and Tear
Insurance is not a maintenance plan. If your project is simply addressing normal aging—like replacing worn-out roofing or repainting faded walls—insurance will not pay for the work or any damage that occurs due to neglect.
Real-World Scenarios: How Claims Play Out
Scenario 1: Accidental Fire During DIY
Suppose you’re refinishing your kitchen cabinets and a rag soaked with stain spontaneously combusts, causing fire damage. If you followed manufacturers’ instructions and safely disposed of materials, your insurance may cover the repairs. However, if you ignored warnings or stored flammable materials improperly, the claim could be denied.
Scenario 2: Water Damage from DIY Plumbing
You attempt to replace a toilet and accidentally cause a leak that damages the bathroom floor and ceiling below. If you followed accepted installation procedures, your insurer might cover sudden water damage. But if you skipped key steps or used the wrong materials, expect a denial due to faulty workmanship.
Scenario 3: Friend Injured While Helping
A friend trips over tools you left out and breaks their wrist. If you weren’t compensating them and they weren’t acting as a contractor, your liability coverage should help with medical bills and legal costs. If you paid them—even in pizza or a favor—they might be considered an employee, which changes your liability exposure.
Scenario 4: Unpermitted Basement Remodel
You transform your basement into a living space without securing permits. Later, a pipe bursts, and water damages the newly finished space. When you file a claim, the adjuster discovers the lack of permits and denies coverage for repairs.
How to Protect Yourself: Insurance Best Practices for DIY Projects
1. Read and Understand Your Policy
Before you start, review your policy’s exclusions, endorsements, and coverage limits. If you’re unsure, contact your insurance agent and ask pointed questions about DIY projects, liability, and coverage for accidental damage.
2. Notify Your Insurer Before Major Projects
For significant renovations—especially those that increase square footage, alter electrical or plumbing systems, or add structures—inform your insurer in advance. Some projects may require a policy endorsement or increased coverage to remain protected.
3. Secure Permits and Follow Building Codes
Always obtain necessary permits and adhere to local codes. Save copies of permits, inspection reports, and receipts for materials and tools. This paperwork is vital if you need to file a claim and prove your work was compliant.
4. Document Your Work
Take detailed before-and-after photos and keep a renovation journal. Note steps taken, materials used, and any professional advice you followed. This documentation can help if your claim is questioned or if you need to prove the work was done properly.
5. Review Liability Coverage
Check your policy’s liability limits and consider increasing them if you plan to have helpers or do higher-risk work. Ask about medical payments coverage and its applicability to your project.
6. Consider a Builder’s Risk Endorsement
If you’re undertaking a major remodel, ask about a builder’s risk endorsement or separate policy. This can cover damage to the structure and materials during construction, bridging gaps in standard coverage.
7. Be Honest on Insurance Applications
If you’ve improved your home, update your insurer. Underinsuring your property after upgrades can leave you without sufficient coverage if disaster strikes.
DIY Project Types and Their Insurance Implications
Low-Risk Projects
- Painting walls or trim
- Installing shelving or closet organizers
- Replacing hardware (doorknobs, cabinet pulls)
These projects rarely affect your insurance, but you’re still responsible for accidental damage or injuries.
Medium-Risk Projects
- Installing new flooring
- Replacing light fixtures or switches
- Minor plumbing updates (faucet swaps)
Errors could lead to claims, but insurers scrutinize workmanship and code compliance.
High-Risk Projects
- Major kitchen or bath remodels
- Finishing basements or attics
- Structural changes (knocking down walls)
- Electrical or plumbing system overhauls
Always notify your insurer, obtain permits, and consider professional help. These projects pose the greatest risk of claim denial if not executed properly.
When to Call in the Pros: Insurance and Licensed Contractors
If your project requires specialized skills or involves critical systems (such as electrical, HVAC, or plumbing), hiring a licensed professional is often the safest choice. Not only does this protect you from costly mistakes, but insurers are more likely to honor claims if the work was performed by a credentialed contractor. Always obtain and keep copies of contractors’ licenses, proof of insurance, and building permits.
Special Considerations: Rental Properties, Condos, and HOAs
Rental Properties
If you’re renovating a rental, check if your landlord policy covers DIY work. Many require licensed contractors for major repairs, and unapproved renovations could void your policy or lead to denied claims.
Condos and HOAs
Condo owners must review both their policy and the HOA’s master policy. Some improvements, like new flooring or appliances, may be covered. Others—structural changes or exterior work—may not be allowed or insured. Always notify your HOA and insurer before DIY work.
Frequently Asked Questions About Insurance and DIY Projects
- Will my rates go up if I file a claim for DIY-related damage? Possibly. Insurers may raise rates after any claim, especially if poor workmanship was involved.
- Is mold from a DIY plumbing error covered? Usually not. Most policies exclude mold, especially if it results from faulty repairs.
- Do I need special insurance for a home addition? Yes. Always notify your insurer and consider a builder’s risk policy for major additions.
- Can I insure my tools and materials during a project? Some policies cover theft or damage to materials on-site, but you may need a rider or endorsement. Check with your agent.
Conclusion: Proactive Steps for Insurance-Smart DIY
DIY home improvement projects can save money and deliver personal satisfaction, but they also expose you to unique insurance risks. Your standard homeowner’s policy is designed to protect against sudden, accidental damage and liability for third-party injuries—not faulty workmanship, code violations, or unpermitted projects. Before you swing a hammer, take time to understand your coverage, read the fine print, and ask your agent about specific scenarios. Notify your insurer about major changes, secure all necessary permits, and document every step of your project. If your skills—or the project’s complexity—are in doubt, don’t hesitate to bring in licensed professionals. Remember that insurance is about peace of mind: the right preparation ensures your hard work isn’t undone by an unexpected claim denial or out-of-pocket expense. By following the best practices outlined here, you can enjoy your renovations with confidence, knowing your home and your finances remain protected. Invest a little time in understanding your policy now, and you’ll thank yourself later should the unexpected occur.
If I make a repair or upgrade myself and it later leads to damage—for example, a fixture I installed causes a water leak—does my insurance cover the cost to fix my mistake, or just the resulting damage?
Your home insurance typically covers the resulting damage from a mistake, such as water damage caused by a faulty fixture you installed, but it usually won’t pay to fix the actual repair or upgrade that failed. So, you would get help for the water damage itself, but not for replacing or reinstalling the problematic fixture. Always check your policy details to confirm what’s included.
I’m considering finishing my basement on my own, but I’m worried about making mistakes during the process. Does a typical policy pay for repairs if I accidentally damage something, or would that be excluded?
Most standard homeowners insurance policies don’t cover accidental damage you cause to your own home during DIY projects like finishing a basement. If you make a mistake and, for example, break a pipe or damage drywall, repairs for that damage are usually excluded. However, if your work accidentally causes a covered peril, like a fire or significant water damage, your policy might help with resulting damages, but not the original mistake. It’s a good idea to check your specific policy details or talk to your insurer before starting the project.
What practical steps should I take before starting a major DIY project to make sure I don’t accidentally void my existing homeowner’s insurance coverage?
Before starting your DIY project, review your homeowner’s insurance policy to check for exclusions related to structural changes or major renovations. Contact your insurance provider to discuss your plans and confirm whether you need additional coverage or special permissions. Document your project with photos and receipts, and ensure you follow all local building codes and permit requirements. These steps help protect your coverage during and after the project.
Could you explain what the best first step is if I want to make sure my insurance fully covers a major renovation I’m doing myself? Should I call my agent before I start, or after I finish purchasing materials?
Contact your insurance agent before you begin your renovation project, ideally before you purchase any materials. This allows you to discuss your plans, confirm what your current policy covers, and make any necessary adjustments or add extra coverage if required. This proactive step will help avoid any gaps in protection during your renovation.
How does liability work if I have a friend helping me out and they get hurt while we’re working on my house? Are they automatically covered under my policy or do I need to get extra insurance for that?
If a friend is helping you with a DIY project and gets injured, your homeowner’s insurance often provides some liability coverage, but there are limitations. Policies may cover medical costs up to a certain amount, but if your friend sues for damages, liability coverage kicks in. However, if you pay your friend, they could be seen as an employee, which may not be covered. Always check your policy details, and if you expect help from friends, consider increasing your liability limits or discussing options with your insurer.
Since homeowner’s insurance often has set limits for personal property coverage, how should I factor in new appliances or materials I purchase for my DIY renovations? Do I need to update my policy as I upgrade my home?
When you buy new appliances or materials for a renovation, it’s wise to keep receipts and document their value. If these purchases significantly raise the total value of your belongings or home, consider contacting your insurer to discuss increasing your personal property limits. Updating your policy as you upgrade ensures your coverage matches the new value of what you own and any enhancements made to your home.
If a friend is helping me with a DIY project and they get injured, would my homeowner’s insurance liability protection apply, or is there a special process for covering injuries to non-household members?
If your friend is injured while helping with a DIY project, your homeowner’s liability coverage generally does apply to injuries suffered by non-household members on your property. You should notify your insurance provider as soon as possible so they can guide you through the claims process. If you often have friends helping, it’s wise to review your liability limits to ensure you have adequate protection.
I noticed you mentioned liability if friends get hurt helping with a project—does the number of people or their relationship to me (like family versus non-family) affect whether they’re covered under my homeowner’s insurance?
The number of people usually doesn’t affect coverage, but their relationship to you can matter. Most homeowner’s policies will cover liability if a guest, like a friend or neighbor, is injured while helping you. However, family members who live with you are generally not covered under liability for injuries in the home. Always check your specific policy wording for details or exclusions.
You mentioned coverage for friends helping out, but what if I pay a local handyman under the table to help with a project and they get hurt on my property? Does my liability protection still apply in that situation?
If you pay a handyman under the table and they’re injured on your property, your homeowner’s liability coverage likely won’t protect you. Once you hire someone for paid work, especially without proper documentation, insurance companies may consider them an employee, which usually isn’t covered by standard policies. You could be personally responsible for their medical bills or legal claims. It’s safer to hire licensed, insured professionals or check your policy about coverage for household employees.
Do insurance companies usually require you to inform them before starting a major DIY project, like finishing a basement, or is that only important for professional renovations?
Insurance companies generally expect you to inform them about any major changes to your home, whether you’re doing the project yourself or hiring professionals. Finishing a basement is a significant renovation that could affect your coverage and premiums. Notifying your insurer helps ensure your policy remains valid and that your new improvements are protected. Always check the specific requirements of your policy before starting big DIY projects.
I sometimes have friends help me with bigger DIY projects, like painting or flooring. If one of them gets hurt while working, does my liability protection cover injuries to non-professionals who are just helping out as a favor?
If a friend is helping you with a DIY project and gets injured, most standard homeowners policies include liability protection that typically covers injuries to guests—even if they’re helping as a favor, not as paid workers. However, exact coverage can vary between insurers, so it’s smart to check your policy details or contact your agent to confirm how your coverage applies in these situations.
Can you offer some guidance on what steps I should take with my insurer before I start a bigger DIY job, like finishing a basement, to make sure I’m properly protected?
Before starting a major DIY project like finishing your basement, contact your insurer to discuss your plans. Ask if your current policy covers renovations and whether you need extra coverage during construction. Find out if you need to provide documentation or permits, and clarify how updates will affect your coverage and premiums. This ensures you’re protected if anything goes wrong during your project.
Can you explain the difference in insurance coverage between hiring a licensed contractor versus doing the renovation myself, especially if something goes wrong during the project?
When you hire a licensed contractor, their insurance (like liability and workers’ compensation) usually covers damages or injuries during the renovation. If you do the work yourself, your homeowners insurance may not cover accidents or property damage caused by DIY renovations, especially if the work isn’t up to code. Always check your policy and consider talking to your insurer before starting a project yourself.
Before starting a big renovation myself, are there particular steps or disclosures I should make to my insurance provider to avoid claim denials if something goes wrong during the project?
Yes, before starting your renovation, let your insurance provider know about the planned work, especially if it involves major structural changes or increases the home’s value. They may require specific details or documentation and can advise if additional coverage is needed during the project. Document your plans and keep records of any communication with your insurer to help avoid potential claim issues later.
Is there a difference in how insurance treats damage caused by DIY work compared to hiring a professional contractor? For example, does doing it myself make a claim more likely to be denied?
Yes, insurance companies often treat damage caused by DIY work differently from damage caused by licensed professionals. If you do home improvements yourself and something goes wrong, your insurer may deny a claim, especially if the work was unsafe or not up to code. Hiring a licensed contractor usually gives you better coverage because professionals are expected to follow regulations and standards. Always check your policy details before starting any DIY project.
I noticed you mentioned liability protection if someone gets hurt on your property, but does that still apply if a friend is injured while helping me install kitchen cabinets? Would homeowner’s insurance treat them differently compared to a hired contractor?
If a friend is helping you with a DIY project and gets injured, homeowner’s insurance generally provides liability coverage for their injuries, just like it would for any guest. However, if a hired contractor or their employee is hurt, your policy likely won’t cover them since most contractors are expected to have their own insurance. Always check with your insurance company to be sure of your specific coverage.
With home insurance only covering sudden and accidental damage, how should I budget for repairs if gradual issues show up from a recent DIY project? Are there any preventative steps you recommend?
Home insurance usually excludes gradual damage, so it’s wise to set aside a maintenance fund—many homeowners budget 1-2% of their home’s value annually for repairs. For prevention, regularly inspect your DIY work, promptly fix small issues, and use quality materials. Routine checks on plumbing, seals, and electrical connections can help you catch problems early before they get worse.
I’m planning to redo my kitchen on a tight budget, so how can I make sure I’m not surprised by gaps in my coverage after a DIY mishap? Are there specific riders or endorsements I should ask my agent about before starting?
To avoid surprises, contact your insurance agent and ask whether your current homeowners policy covers DIY renovations, including damage you might accidentally cause. Request details about exclusions for self-performed work. Ask about adding a renovation or construction rider, which can provide extra protection during your project. Also, inquire about coverage for theft or damage to building materials stored on-site. Document your plans and keep receipts to make future claims easier.
You mentioned that liability coverage protects you if someone gets hurt on your property, but what if a friend is helping me with a project and gets injured? Is there a difference in coverage if they’re not a paid contractor?
If your friend is helping you as an unpaid volunteer and gets injured, most standard homeowners insurance policies provide some liability coverage for their medical expenses. However, coverage can be limited and may not apply if your friend sues you for damages. If they were a paid contractor, your homeowners policy usually wouldn’t cover their injuries, as contractors are expected to have their own insurance. It’s always wise to check with your insurer about your specific policy’s protections and any exclusions.
You mentioned dwelling coverage for certain perils, but does that extend to mistakes made during home renovations, or would those repairs be considered out-of-pocket expenses in most insurance policies?
Most homeowners insurance policies do not cover mistakes or damage resulting from DIY renovations or faulty workmanship. Dwelling coverage typically protects against specific perils like fire or storms, but if you cause damage by accident during a renovation project, those repairs are usually your own responsibility and would be out-of-pocket expenses. Consider consulting your insurer before starting major projects to understand your specific coverage.
I’m planning to refinish my basement soon, and a couple of friends offered to help. If one of them gets injured during the project, does my liability protection typically cover their medical expenses, or would I need some sort of additional insurance?
If a friend helping you with your basement gets injured, your homeowners liability coverage may help with their medical expenses—but only in certain situations. Medical payments coverage often covers minor injuries regardless of fault, but liability coverage can come into play if you’re found responsible. However, if your friends are paid or act like contractors, standard policies may not cover their injuries. It’s wise to check with your insurer before starting the project to confirm your specific protections and see if any extra coverage is recommended.
If I accidentally damage my home’s electrical wiring while replacing a light fixture, is that type of damage usually covered by a standard homeowner’s insurance policy, or would it be considered an exclusion?
Accidental damage to your home’s electrical wiring during a DIY project like replacing a light fixture is often excluded from standard homeowner’s insurance policies. Most policies don’t cover damage caused by home improvements or repairs you perform yourself. However, coverage can vary, so it’s a good idea to check your specific policy details or ask your insurer directly to be sure.
If I save up and do one project at a time over several months, do I need to notify my insurance company before each phase, or is it enough to update them after all the DIY improvements are finished?
It’s best to notify your insurance company before you start each major phase of your DIY projects, especially if the work will affect your home’s structure, value, or safety. This helps ensure you’re covered during each stage. Waiting until all work is complete could leave gaps in your coverage if something happens mid-project.
The article mentions that friends helping me with a project may not be covered if they get hurt. How can I make sure my liability protection is enough if I have people over to assist with renovations?
To ensure your liability protection is sufficient when friends help with renovations, review your homeowner’s insurance for personal liability limits and exclusions. Consider increasing your liability coverage if needed. You can also ask your insurer about an umbrella policy for extra protection. Be upfront about your DIY activities, as some projects might affect coverage. Always clarify with your insurance agent to confirm your policy covers injuries to non-household helpers during home improvement work.
What happens if a friend helps me with a bathroom remodel and gets injured, but I didn’t hire them as a contractor—are they still covered under the liability part of my homeowner’s insurance?
If your friend is helping you out as a volunteer and gets injured during the remodel, your homeowner’s insurance may cover their medical expenses under the ‘medical payments to others’ section, but this coverage is usually limited and doesn’t apply to anyone living in your household. Liability coverage could also help if you’re found legally responsible. However, if you paid your friend or they are considered an employee, coverage might not apply. It’s important to review your specific policy details or speak with your insurance agent to understand your coverage.
How do insurance companies typically verify whether a problem was caused by a DIY project versus a sudden accident, especially if I make a claim months after doing home improvements?
Insurance companies usually investigate claims by reviewing photos, receipts, or permits related to your DIY project, and may send an adjuster to inspect the damage. They look for signs like tool marks, recent alterations, or mismatched materials. If you report a problem months later, they might ask about the timeline and check if the issue aligns with when the work was done. Being honest and keeping good records of your projects can help avoid claim disputes.
Are there recommended steps to notify my insurer before starting a DIY remodel, especially if I’m making structural changes? I want to be sure there are no surprises with my coverage in case something unexpected happens.
It’s smart to notify your insurer before any DIY remodels, especially with structural changes. Contact your insurance agent directly and give them details about your project, including scope and estimated costs. They may require photos or plans, and could recommend a policy review or endorsement to maintain coverage. Keeping your insurer informed helps prevent issues if you ever need to file a claim related to your renovations.
I’m planning to finish my basement myself to save on costs, but my budget is tight. Are there specific types of DIY work that insurers are more likely to deny claims for? I want to avoid making mistakes that could be costly later.
Insurers are often stricter about claims related to electrical, plumbing, or structural work done by homeowners. If these DIY jobs don’t meet code or cause damage, claims might be denied. Cosmetic updates like painting or flooring are generally less risky. It’s smart to check your policy details and, if possible, notify your insurer before starting major DIY projects. Keeping records and, if needed, involving licensed professionals for critical tasks can also help avoid issues.
Can you clarify if friends or family members who are helping me with a home improvement project are always covered by my liability protection, or do I need to let my insurer know ahead of time?
Friends or family helping you with a DIY project aren’t always automatically covered under your homeowner’s liability protection. Coverage can vary depending on your policy and the nature of the work. It’s a good idea to check your policy details and inform your insurer in advance, especially if the work involves higher risks or if helpers are spending significant time on your property.
I’m planning to finish my basement, but I’m worried about causing accidental damage during the process. Are there specific steps I should take with my insurance provider before starting such a big DIY project?
Before starting your basement project, contact your insurance provider to let them know about your renovation plans. Ask if your current policy covers accidental damage during DIY work, and whether you need additional coverage or a policy update. Keep detailed records and photos of your home’s current condition for reference. This helps ensure you’re fully protected throughout your project.
How do insurance companies generally define gradual damage versus accidental damage, especially when it comes to something like a slow leak from a faucet I installed myself?
Insurance companies usually define accidental damage as something that happens suddenly and unexpectedly, like a pipe bursting and flooding your kitchen. Gradual damage, on the other hand, refers to issues that develop over time, such as a slow leak from a faucet—even if you installed it yourself. Most policies exclude gradual damage, considering it a maintenance issue, not an insurable event. It’s always good to check your specific policy wording or speak with your provider to understand exactly what’s covered.
After reading this, I’m worried about making an accidental error during a basement renovation. Are there specific steps I should take with my insurer before starting a big DIY project to ensure I’m properly protected if something goes wrong?
Before starting your basement renovation, it’s a good idea to contact your insurer and let them know about your plans. Ask if your current policy covers accidental damage or if you need extra coverage for DIY projects. They can clarify what is and isn’t protected, and may suggest a policy update or endorsement. Also, keep records of your renovation plans and any correspondence with your insurer, just in case.
Could you clarify whether insurance policies usually require homeowners to notify the company before starting large DIY projects? Are there any specific thresholds, like cost or type of work, that trigger the need for approval?
Most standard homeowners insurance policies don’t require notification for minor DIY projects, but larger renovations or structural changes often do. Insurers may set thresholds based on the cost, type, or scale of the work—like adding rooms or major electrical and plumbing upgrades. It’s always wise to check your policy or contact your insurer before beginning significant projects to avoid potential gaps in coverage.
Does my coverage amount or type need to change if I’m taking on a bigger project, like finishing my basement myself, compared to something smaller like painting a room? Is there a point where I should notify my insurance company?
Yes, if you’re tackling a larger project like finishing your basement, it’s important to review your coverage. Major renovations can increase your home’s value or expose you to more risks, so your existing policy might not fully cover new additions or upgrades. You should notify your insurance company before starting substantial work—they can advise if increased coverage or special endorsements are needed. Small jobs like painting typically don’t require changes, but bigger projects do.