Home Insurance: Covering Your Home Addition

Adding a residential room to your home may lead to upgrading your home insurance policy. Prepare your construction plans and choose which features and unforeseen circumstances you want your insurance policy to cover.

Considering the Type of Addition

The addition that will be constructed will increase the square footage of your home and its value. Treat the addition just like any other part of your home. Consider the size of the addition, plus the type of building materials that will be used for construction purposes.

Assessing Risk Factors

Think about the ways that you will use the additional space. Document this fact if you will be adding a room that could potentially cause an injury. For instance, if you add an enclosure that would house a hot tub, you may need to carry a decent amount of liability protection. Because someone could slip while getting in or out of the hot tub, it would be in your best interest to have adequate coverage to handle an unforeseen incident.

Accounting for Seasonal Factors

If the addition is only used on a seasonal basis, consider getting temporary home insurance to cover the new structure. If you are going to change how the space is used based on the season, you may need different types of insurance coverage for each season.

Comparing Home Insurance Products

Set aside time to compare home insurance products. Review standard products and add-on protection. Choose insurance that will adequately protect the addition.

Home Insurance Policies in Mississippi

Contact one of our Insurance Protection Specialists for the support you need and deserve. Schedule an appointment with an agent who serves Flowood, MS to discuss your home improvement project.