Home additions are an exciting way to expand your living space and improve your property's value. Whether you're building a new sunroom, extending your kitchen, or adding a guest suite, these upgrades can significantly enhance your home. However, with great renovations come great responsibilities—like ensuring your additions are adequately insured.

At Riseson Insurance , we understand how vital it is to protect your investment. Let's explore how home additions impact your insurance and why it's crucial to update your policy.

Increased Property Value A home addition increases your property's value, which can impact your home insurance. If your coverage isn’t updated, you may be underinsured in the event of damage or loss. Increased Replacement Costs Additions often mean more square footage, upgraded materials, or advanced systems, all of which increase the cost of repairs or replacement. Additional Liability Risks Features like pools, decks, or guest spaces may introduce additional liability risks, which require specific coverage considerations.

Notify Your Insurance Provider Inform your provider about the renovation plans so they can assess your current policy and recommend updates. Increase Coverage Limits Make sure your dwelling coverage reflects the increased value of your home after the addition. Consider Additional Policies If your addition includes a home office or rental unit, you might need additional insurance for those specific uses. Keep Detailed Records Document the entire construction process with receipts and photos to ensure accurate valuation and claims processing.

As a trusted insurance agency in Tempe , we specialize in customizing policies to meet your unique needs. Whether you're in Phoenix , Scottsdale , Tucson , Gilbert , or Chandler , our local expertise ensures you’re covered for risks specific to Arizona homes.

Don’t leave your beautiful new addition unprotected. Reach out to Riseson Insurance today to review your policy and get the coverage you need. Call us at 602-460-5470 or visit our office in Tempe.

Protect your home improvements and enjoy peace of mind with Riseson Insurance!

Why Home Additions Affect Your Insurance

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1. Increased Property Value A home addition increases your property's value, which can impact your home insurance. If your coverage isn’t updated, you may be underinsured in the event of damage or loss.
2. Increased Replacement Costs Additions often mean more square footage, upgraded materials, or advanced systems, all of which increase the cost of repairs or replacement.
3. Additional Liability Risks Features like pools, decks, or guest spaces may introduce additional liability risks, which require specific coverage considerations.

1. Notify Your Insurance Provider Inform your provider about the renovation plans so they can assess your current policy and recommend updates.
2. Increase Coverage Limits Make sure your dwelling coverage reflects the increased value of your home after the addition.
3. Consider Additional Policies If your addition includes a home office or rental unit, you might need additional insurance for those specific uses.
4. Keep Detailed Records Document the entire construction process with receipts and photos to ensure accurate valuation and claims processing.