DIY or Don’t Try: How Home Projects Affect Your Homeowners Insurance

As an independent insurance advisor in Southern California, I often meet homeowners excited to take on DIY home improvement projects. While these initiatives can be rewarding and economical, it’s important to understand their potential impacts on your homeowners insurance.

Assessing the Risks:

Structural Changes: Significant structural modifications can affect both the value and safety of your home. Before altering your living space, consider how these changes could adjust your insurance requirements.

Electrical and Plumbing Work: DIY projects involving electrical and plumbing systems carry substantial risks. Errors can lead to severe issues, such as fires or water damage, which might not be covered if the work isn’t completed by a professional.

Insurance Considerations

Permit Requirements: Many home improvement efforts require permits. Insurance companies can refuse coverage for damage resulting from projects done without the necessary permits, so it’s essential to check with local authorities beforehand.

Coverage Limits: If your DIY project considerably increases your home’s value, you may need to update your coverage limits to ensure you’re fully protected against potential losses.

Understanding how DIY home improvements affect your homeowners insurance is important. It ensures that your initiatives enhance your home’s value and safety without risking your coverage. Contact our team today at 714-968-8008 and we can discuss more about your homeowners insurance needs.