How DIY Home Improvements Impact Your Homeowner's Insurance in Washington

How DIY Home Improvements Impact Your Homeowner's Insurance in Washington

May 28, 2024

As a homeowner in Washington, engaging in DIY projects can be a fulfilling way to enhance your living space and potentially increase your property's value. However, it's important to consider how these improvements can affect your homeowner's insurance coverage. We're here to guide you through understanding these impacts and ensuring your efforts are fully protected.

  1. Increase in Home Value: DIY projects like kitchen renovations or bathroom upgrades can increase your home's market value. This could mean your current homeowner's insurance coverage might not suffice in the unfortunate event of a claim. It's essential to update your policy to reflect your home's new value, ensuring you're not underinsured.
  2. Liability Coverage: When undertaking DIY projects, there's always a risk of accidental injuries. Whether it's a friend helping you install cabinets or a neighbor stopping by and tripping over building materials, you could be held liable for these accidents. Ensure your liability coverage is robust enough to protect against potential claims.
  3. Permits and Building Codes: In Washington, certain home improvement projects require permits. Non-compliance with local building codes can lead to fines and complications. Additionally, any unpermitted work could potentially void certain aspects of your insurance policy. Always check with local authorities before starting any significant renovations.

Before you pick up that hammer or paintbrush, we recommend discussing your DIY home improvement plans with our experienced insurance advisors. We're committed to helping you navigate the complexities of insurance coverage so you can proceed with confidence.

Ready to ensure your DIY efforts are protected? Contact our team today at 360-254-7166 for a personalized insurance quote that accommodates your upgraded home's needs. Let's secure your hard work together!