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If you renovate or upgrade your house in Washington, DC, your insurance should also be upgraded. By talking to an independent agent like us, you can find out how the renovations you’ve made have changed the replacement value of your home. The money you’ve put into your house is important, and you want to make sure you can get that money back if your home becomes severely damaged and has to be reconstructed. Because of that, you’ll want to make adjustments to your insurance policy in order to make sure you’re covered for the right amount.
The value of your home can vary based on the changes you made, and the cost of your insurance premiums may also be affected. Anytime you raise the value, or replacement cost, for the home, your premiums will also be higher. However, you can’t put a price on the peace of mind you’ll have when you know your home is properly insured no matter what happens to it. You can’t always predict when something might go wrong, but you can make sure you’re financially prepared for it when it does. Insurance is the best way to do that, but it won’t really help you if you don’t have enough of it.
Keep in mind that some upgrades can actually lower your insurance cost, overall. That doesn’t mean that updating your house will make your replacement cost go down, but it can make your premiums lower based on discounts you’ll receive. Come in and talk to us about your options before you renovate, so you can be sure what will really benefit you the most from an insurance standpoint. Then you can work on your renovations with all the knowledge you need to make the right choices.