How Home Renovations Impact Your Homeowners Insurance in Georgia<\/strong> <\/h2>\n\n\n\nWhile you might think a renovation is going to potentially reduce <\/em>your premiums (maybe that new fence or better insulation will make you more <\/em>insurable, right?), the reality is that you are increasing the value of your property \u2014 and the more your property values increase, the more there is to insure. Here\u2019s how it all works when it comes to remodeling and homeowners insurance in the Peach State. <\/p>\n\n\n\nWhy Home Improvements Can Increase Your Coverage Needs<\/strong> <\/h3>\n\n\n\nYour policy is based on your home\u2019s replacement cost \u2014 what it would cost to rebuild your home today using similar materials and quality. If you upgrade your kitchen with granite countertops, custom cabinets, and high-end appliances, your replacement cost just went up. If your policy doesn\u2019t reflect that, you may not be fully covered in a disaster. <\/p>\n\n\n\n
In short, improvements raise the value of your home, and that changes the math for your coverage in terms of how home improvements affect insurance premiums. <\/p>\n\n\n\n
The Types of Renovations That Trigger Policy Updates<\/strong> <\/h3>\n\n\n\nNot all upgrades are created equal in the eyes of your insurer. The following are common examples of projects that should prompt a call to your agent: <\/p>\n\n\n\n
\n- Kitchen or bathroom remodels <\/li>\n<\/ul>\n\n\n\n
\n- Room additions or finishing a basement <\/li>\n<\/ul>\n\n\n\n
\n- Installing a pool, deck, or fence <\/li>\n<\/ul>\n\n\n\n
\n- Upgrading the HVAC, plumbing, or electrical systems <\/li>\n<\/ul>\n\n\n\n
\n- Eco-friendly additions like solar panels or energy-efficient windows (related: how going green can help you save<\/a>) <\/li>\n<\/ul>\n\n\n\n
Even smaller upgrades can matter if they raise the cost of rebuilding your home. And certain improvements, like pools, may increase your liability risk too.\u00a0<\/p>\n\n\n
\n![\"Back](\"https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/07\/vlx-home-renovations-and-insurance-2.jpg\")
<\/figure><\/div>\n\n\nCommon Renovations That May Affect Insurance Premiums<\/strong> <\/h2>\n\n\n\nSome renovations can actually lower your premiums, while others will increase them. Location matters, too \u2014 rates vary widely across Georgia<\/a>. Here\u2019s how they generally shake out in Georgia: <\/p>\n\n\n\nIncreased Premiums<\/strong>: <\/p>\n\n\n\n\n- Major kitchen or bath renovations <\/li>\n<\/ul>\n\n\n\n
\n- Room additions or building out a guest suite <\/li>\n<\/ul>\n\n\n\n
\n- Adding a swimming pool or trampoline <\/li>\n<\/ul>\n\n\n\n
\n- Expensive new roofing or exterior materials <\/li>\n<\/ul>\n\n\n\n
Potentially Lower Premiums<\/strong>: <\/p>\n\n\n\n\n- Installing a new roof with hail-resistant materials <\/li>\n<\/ul>\n\n\n\n
\n- Upgrading electrical systems to modern code <\/li>\n<\/ul>\n\n\n\n
\n- Adding security systems or smoke detectors <\/li>\n<\/ul>\n\n\n\n
\n- Making energy-efficient improvements (see green discounts for Georgia homes) <\/li>\n<\/ul>\n\n\n\n
Your premium reflects risk. If you reduce risk (like replacing outdated wiring), you may save. If you add risk (like a pool or fancy finishes), your rate may go up. That\u2019s the basics of how Georgia homeowners insurance and remodeling go together. <\/p>\n\n\n\n
Mistakes Georgia Homeowners Make After Renovating<\/strong> <\/h2>\n\n\n\nUnfortunately, many homeowners in Georgia forget to tell their insurer about renovations or assume their existing coverage will automatically adjust. Here are some common missteps in terms of home policies after upgrades: <\/p>\n\n\n\n
\n- Not updating coverage<\/strong>: Your insurer won\u2019t know you remodeled unless you tell them. If your home is underinsured, you could receive a partial payout after a loss. <\/li>\n<\/ul>\n\n\n\n
\n- Skipping liability upgrades<\/strong>: Pools, trampolines, and even decks can increase your liability exposure. If someone gets hurt, you\u2019ll wish you had more coverage. <\/li>\n<\/ul>\n\n\n\n
\n- Assuming contractors are covered<\/strong>: If your contractor doesn\u2019t carry adequate builders risk or liability insurance, you could be on the hook for damage or injury. Learn more about builders risk coverage in Georgia. <\/li>\n<\/ul>\n\n\n\n
\n- Failing to shop for new discounts<\/strong>: Some renovations may make you eligible for lower rates. Don\u2019t leave money on the table. Here are 30 ways to save more money on Georgia home insurance<\/a>. <\/li>\n<\/ul>\n\n\n\n
So, to summarize, if you\u2019re asking yourself, \u201cDo I need to update insurance after renovations?\u201d, the answer is simple: YES. <\/p>\n\n\n\n
Steps to Update Your Insurance After Renovating<\/strong> <\/h2>\n\n\n\nSo, you\u2019ve finished the reno … what now? Here\u2019s what Georgia homeowners should do next: <\/p>\n\n\n\n
\n- Document the work<\/strong>: Take photos and keep receipts or invoices. This helps verify the new value of your home. <\/li>\n<\/ol>\n\n\n\n
\n- Contact your insurance agent<\/strong>: Let them know what changes you made. They\u2019ll reassess your policy and recommend updates. <\/li>\n<\/ol>\n\n\n\n
\n- Update your dwelling coverage<\/strong>: Make sure your policy reflects the new replacement cost of your home. <\/li>\n<\/ol>\n\n\n\n
\n- Adjust Liability Coverage if Needed<\/strong>: Pools, fences, and other features may require more protection. <\/li>\n<\/ol>\n\n\n\n
\n- Ask about new discounts<\/strong>: If your reno improved safety or energy efficiency, you might qualify for savings. <\/li>\n<\/ol>\n\n\n\n
\n- Review your policy annually<\/strong>: Especially if you plan more upgrades, Georgia\u2019s housing market and rebuild costs change fast. <\/li>\n<\/ol>\n\n\n\n
Upgraded Your Home? Let\u2019s Make Sure Your Insurance Is Upgraded, Too, With Velox<\/strong> <\/h2>\n\n\n\nYour home\u2019s new look deserves insurance that can keep up. At Velox Insurance, we help Georgia homeowners stay protected through every renovation, whether you\u2019re installing a gourmet kitchen or just replacing a roof. We hope this guide helped you better understand how home remodeling affects insurance requirements in Georgia. <\/p>\n\n\n\n
Give us a call at 855-468-3569<\/a>, or get a fast, free quote online<\/a>. You can also visit us at a local office<\/a>. Don\u2019t let your dream renovation turn into a financial nightmare. Let Velox make sure your insurance fits your upgraded home so you can focus on enjoying it. <\/p>\n","protected":false},"excerpt":{"rendered":"Whether you\u2019re finally getting that dream kitchen or building a whole new addition, home renovations are exciting \u2026 and expensive. But before you sit back and admire your upgraded space, there\u2019s one more thing to check: your homeowners insurance. In Georgia, remodeling without updating your policy can leave you underinsured, paying higher premiums, or worse, […]<\/p>\n","protected":false},"author":1,"featured_media":10599,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10597"}],"collection":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=10597"}],"version-history":[{"count":1,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10597\/revisions"}],"predecessor-version":[{"id":10600,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10597\/revisions\/10600"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media\/10599"}],"wp:attachment":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=10597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=10597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=10597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Why Home Improvements Can Increase Your Coverage Needs<\/strong> <\/h3>\n\n\n\nYour policy is based on your home\u2019s replacement cost \u2014 what it would cost to rebuild your home today using similar materials and quality. If you upgrade your kitchen with granite countertops, custom cabinets, and high-end appliances, your replacement cost just went up. If your policy doesn\u2019t reflect that, you may not be fully covered in a disaster. <\/p>\n\n\n\n
In short, improvements raise the value of your home, and that changes the math for your coverage in terms of how home improvements affect insurance premiums. <\/p>\n\n\n\n
The Types of Renovations That Trigger Policy Updates<\/strong> <\/h3>\n\n\n\nNot all upgrades are created equal in the eyes of your insurer. The following are common examples of projects that should prompt a call to your agent: <\/p>\n\n\n\n
\n- Kitchen or bathroom remodels <\/li>\n<\/ul>\n\n\n\n
\n- Room additions or finishing a basement <\/li>\n<\/ul>\n\n\n\n
\n- Installing a pool, deck, or fence <\/li>\n<\/ul>\n\n\n\n
\n- Upgrading the HVAC, plumbing, or electrical systems <\/li>\n<\/ul>\n\n\n\n
\n- Eco-friendly additions like solar panels or energy-efficient windows (related: how going green can help you save<\/a>) <\/li>\n<\/ul>\n\n\n\n
Even smaller upgrades can matter if they raise the cost of rebuilding your home. And certain improvements, like pools, may increase your liability risk too.\u00a0<\/p>\n\n\n
\n<\/figure><\/div>\n\n\nCommon Renovations That May Affect Insurance Premiums<\/strong> <\/h2>\n\n\n\nSome renovations can actually lower your premiums, while others will increase them. Location matters, too \u2014 rates vary widely across Georgia<\/a>. Here\u2019s how they generally shake out in Georgia: <\/p>\n\n\n\nIncreased Premiums<\/strong>: <\/p>\n\n\n\n\n- Major kitchen or bath renovations <\/li>\n<\/ul>\n\n\n\n
\n- Room additions or building out a guest suite <\/li>\n<\/ul>\n\n\n\n
\n- Adding a swimming pool or trampoline <\/li>\n<\/ul>\n\n\n\n
\n- Expensive new roofing or exterior materials <\/li>\n<\/ul>\n\n\n\n
Potentially Lower Premiums<\/strong>: <\/p>\n\n\n\n\n- Installing a new roof with hail-resistant materials <\/li>\n<\/ul>\n\n\n\n
\n- Upgrading electrical systems to modern code <\/li>\n<\/ul>\n\n\n\n
\n- Adding security systems or smoke detectors <\/li>\n<\/ul>\n\n\n\n
\n- Making energy-efficient improvements (see green discounts for Georgia homes) <\/li>\n<\/ul>\n\n\n\n
Your premium reflects risk. If you reduce risk (like replacing outdated wiring), you may save. If you add risk (like a pool or fancy finishes), your rate may go up. That\u2019s the basics of how Georgia homeowners insurance and remodeling go together. <\/p>\n\n\n\n
Mistakes Georgia Homeowners Make After Renovating<\/strong> <\/h2>\n\n\n\nUnfortunately, many homeowners in Georgia forget to tell their insurer about renovations or assume their existing coverage will automatically adjust. Here are some common missteps in terms of home policies after upgrades: <\/p>\n\n\n\n
\n- Not updating coverage<\/strong>: Your insurer won\u2019t know you remodeled unless you tell them. If your home is underinsured, you could receive a partial payout after a loss. <\/li>\n<\/ul>\n\n\n\n
\n- Skipping liability upgrades<\/strong>: Pools, trampolines, and even decks can increase your liability exposure. If someone gets hurt, you\u2019ll wish you had more coverage. <\/li>\n<\/ul>\n\n\n\n
\n- Assuming contractors are covered<\/strong>: If your contractor doesn\u2019t carry adequate builders risk or liability insurance, you could be on the hook for damage or injury. Learn more about builders risk coverage in Georgia. <\/li>\n<\/ul>\n\n\n\n
\n- Failing to shop for new discounts<\/strong>: Some renovations may make you eligible for lower rates. Don\u2019t leave money on the table. Here are 30 ways to save more money on Georgia home insurance<\/a>. <\/li>\n<\/ul>\n\n\n\n
So, to summarize, if you\u2019re asking yourself, \u201cDo I need to update insurance after renovations?\u201d, the answer is simple: YES. <\/p>\n\n\n\n
Steps to Update Your Insurance After Renovating<\/strong> <\/h2>\n\n\n\nSo, you\u2019ve finished the reno … what now? Here\u2019s what Georgia homeowners should do next: <\/p>\n\n\n\n
\n- Document the work<\/strong>: Take photos and keep receipts or invoices. This helps verify the new value of your home. <\/li>\n<\/ol>\n\n\n\n
\n- Contact your insurance agent<\/strong>: Let them know what changes you made. They\u2019ll reassess your policy and recommend updates. <\/li>\n<\/ol>\n\n\n\n
\n- Update your dwelling coverage<\/strong>: Make sure your policy reflects the new replacement cost of your home. <\/li>\n<\/ol>\n\n\n\n
\n- Adjust Liability Coverage if Needed<\/strong>: Pools, fences, and other features may require more protection. <\/li>\n<\/ol>\n\n\n\n
\n- Ask about new discounts<\/strong>: If your reno improved safety or energy efficiency, you might qualify for savings. <\/li>\n<\/ol>\n\n\n\n
\n- Review your policy annually<\/strong>: Especially if you plan more upgrades, Georgia\u2019s housing market and rebuild costs change fast. <\/li>\n<\/ol>\n\n\n\n
Upgraded Your Home? Let\u2019s Make Sure Your Insurance Is Upgraded, Too, With Velox<\/strong> <\/h2>\n\n\n\nYour home\u2019s new look deserves insurance that can keep up. At Velox Insurance, we help Georgia homeowners stay protected through every renovation, whether you\u2019re installing a gourmet kitchen or just replacing a roof. We hope this guide helped you better understand how home remodeling affects insurance requirements in Georgia. <\/p>\n\n\n\n
Give us a call at 855-468-3569<\/a>, or get a fast, free quote online<\/a>. You can also visit us at a local office<\/a>. Don\u2019t let your dream renovation turn into a financial nightmare. Let Velox make sure your insurance fits your upgraded home so you can focus on enjoying it. <\/p>\n","protected":false},"excerpt":{"rendered":"Whether you\u2019re finally getting that dream kitchen or building a whole new addition, home renovations are exciting \u2026 and expensive. But before you sit back and admire your upgraded space, there\u2019s one more thing to check: your homeowners insurance. In Georgia, remodeling without updating your policy can leave you underinsured, paying higher premiums, or worse, […]<\/p>\n","protected":false},"author":1,"featured_media":10599,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10597"}],"collection":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=10597"}],"version-history":[{"count":1,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10597\/revisions"}],"predecessor-version":[{"id":10600,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10597\/revisions\/10600"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media\/10599"}],"wp:attachment":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=10597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=10597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=10597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Not all upgrades are created equal in the eyes of your insurer. The following are common examples of projects that should prompt a call to your agent: <\/p>\n\n\n\n
- \n
- Kitchen or bathroom remodels <\/li>\n<\/ul>\n\n\n\n
- \n
- Room additions or finishing a basement <\/li>\n<\/ul>\n\n\n\n
- \n
- Installing a pool, deck, or fence <\/li>\n<\/ul>\n\n\n\n
- \n
- Upgrading the HVAC, plumbing, or electrical systems <\/li>\n<\/ul>\n\n\n\n
- \n
- Eco-friendly additions like solar panels or energy-efficient windows (related: how going green can help you save<\/a>) <\/li>\n<\/ul>\n\n\n\n
Even smaller upgrades can matter if they raise the cost of rebuilding your home. And certain improvements, like pools, may increase your liability risk too.\u00a0<\/p>\n\n\n
\n<\/figure><\/div>\n\n\nCommon Renovations That May Affect Insurance Premiums<\/strong> <\/h2>\n\n\n\n
Some renovations can actually lower your premiums, while others will increase them. Location matters, too \u2014 rates vary widely across Georgia<\/a>. Here\u2019s how they generally shake out in Georgia: <\/p>\n\n\n\n
Increased Premiums<\/strong>: <\/p>\n\n\n\n
- \n
- Major kitchen or bath renovations <\/li>\n<\/ul>\n\n\n\n
- \n
- Room additions or building out a guest suite <\/li>\n<\/ul>\n\n\n\n
- \n
- Adding a swimming pool or trampoline <\/li>\n<\/ul>\n\n\n\n
- \n
- Expensive new roofing or exterior materials <\/li>\n<\/ul>\n\n\n\n
Potentially Lower Premiums<\/strong>: <\/p>\n\n\n\n
- \n
- Installing a new roof with hail-resistant materials <\/li>\n<\/ul>\n\n\n\n
- \n
- Upgrading electrical systems to modern code <\/li>\n<\/ul>\n\n\n\n
- \n
- Adding security systems or smoke detectors <\/li>\n<\/ul>\n\n\n\n
- \n
- Making energy-efficient improvements (see green discounts for Georgia homes) <\/li>\n<\/ul>\n\n\n\n
Your premium reflects risk. If you reduce risk (like replacing outdated wiring), you may save. If you add risk (like a pool or fancy finishes), your rate may go up. That\u2019s the basics of how Georgia homeowners insurance and remodeling go together. <\/p>\n\n\n\n
Mistakes Georgia Homeowners Make After Renovating<\/strong> <\/h2>\n\n\n\n
Unfortunately, many homeowners in Georgia forget to tell their insurer about renovations or assume their existing coverage will automatically adjust. Here are some common missteps in terms of home policies after upgrades: <\/p>\n\n\n\n
- \n
- Not updating coverage<\/strong>: Your insurer won\u2019t know you remodeled unless you tell them. If your home is underinsured, you could receive a partial payout after a loss. <\/li>\n<\/ul>\n\n\n\n
- \n
- Skipping liability upgrades<\/strong>: Pools, trampolines, and even decks can increase your liability exposure. If someone gets hurt, you\u2019ll wish you had more coverage. <\/li>\n<\/ul>\n\n\n\n
- \n
- Assuming contractors are covered<\/strong>: If your contractor doesn\u2019t carry adequate builders risk or liability insurance, you could be on the hook for damage or injury. Learn more about builders risk coverage in Georgia. <\/li>\n<\/ul>\n\n\n\n
- \n
- Failing to shop for new discounts<\/strong>: Some renovations may make you eligible for lower rates. Don\u2019t leave money on the table. Here are 30 ways to save more money on Georgia home insurance<\/a>. <\/li>\n<\/ul>\n\n\n\n
So, to summarize, if you\u2019re asking yourself, \u201cDo I need to update insurance after renovations?\u201d, the answer is simple: YES. <\/p>\n\n\n\n
Steps to Update Your Insurance After Renovating<\/strong> <\/h2>\n\n\n\n
So, you\u2019ve finished the reno … what now? Here\u2019s what Georgia homeowners should do next: <\/p>\n\n\n\n
- \n
- Document the work<\/strong>: Take photos and keep receipts or invoices. This helps verify the new value of your home. <\/li>\n<\/ol>\n\n\n\n
- \n
- Contact your insurance agent<\/strong>: Let them know what changes you made. They\u2019ll reassess your policy and recommend updates. <\/li>\n<\/ol>\n\n\n\n
- \n
- Update your dwelling coverage<\/strong>: Make sure your policy reflects the new replacement cost of your home. <\/li>\n<\/ol>\n\n\n\n
- \n
- Adjust Liability Coverage if Needed<\/strong>: Pools, fences, and other features may require more protection. <\/li>\n<\/ol>\n\n\n\n
- \n
- Ask about new discounts<\/strong>: If your reno improved safety or energy efficiency, you might qualify for savings. <\/li>\n<\/ol>\n\n\n\n
- \n
- Review your policy annually<\/strong>: Especially if you plan more upgrades, Georgia\u2019s housing market and rebuild costs change fast. <\/li>\n<\/ol>\n\n\n\n
Upgraded Your Home? Let\u2019s Make Sure Your Insurance Is Upgraded, Too, With Velox<\/strong> <\/h2>\n\n\n\n
Your home\u2019s new look deserves insurance that can keep up. At Velox Insurance, we help Georgia homeowners stay protected through every renovation, whether you\u2019re installing a gourmet kitchen or just replacing a roof. We hope this guide helped you better understand how home remodeling affects insurance requirements in Georgia. <\/p>\n\n\n\n
Give us a call at 855-468-3569<\/a>, or get a fast, free quote online<\/a>. You can also visit us at a local office<\/a>. Don\u2019t let your dream renovation turn into a financial nightmare. Let Velox make sure your insurance fits your upgraded home so you can focus on enjoying it. <\/p>\n","protected":false},"excerpt":{"rendered":"
Whether you\u2019re finally getting that dream kitchen or building a whole new addition, home renovations are exciting \u2026 and expensive. But before you sit back and admire your upgraded space, there\u2019s one more thing to check: your homeowners insurance. In Georgia, remodeling without updating your policy can leave you underinsured, paying higher premiums, or worse, […]<\/p>\n","protected":false},"author":1,"featured_media":10599,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10597"}],"collection":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=10597"}],"version-history":[{"count":1,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10597\/revisions"}],"predecessor-version":[{"id":10600,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10597\/revisions\/10600"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media\/10599"}],"wp:attachment":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=10597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=10597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=10597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
- Review your policy annually<\/strong>: Especially if you plan more upgrades, Georgia\u2019s housing market and rebuild costs change fast. <\/li>\n<\/ol>\n\n\n\n
- Ask about new discounts<\/strong>: If your reno improved safety or energy efficiency, you might qualify for savings. <\/li>\n<\/ol>\n\n\n\n
- Adjust Liability Coverage if Needed<\/strong>: Pools, fences, and other features may require more protection. <\/li>\n<\/ol>\n\n\n\n
- Update your dwelling coverage<\/strong>: Make sure your policy reflects the new replacement cost of your home. <\/li>\n<\/ol>\n\n\n\n
- Contact your insurance agent<\/strong>: Let them know what changes you made. They\u2019ll reassess your policy and recommend updates. <\/li>\n<\/ol>\n\n\n\n
- Document the work<\/strong>: Take photos and keep receipts or invoices. This helps verify the new value of your home. <\/li>\n<\/ol>\n\n\n\n
- Failing to shop for new discounts<\/strong>: Some renovations may make you eligible for lower rates. Don\u2019t leave money on the table. Here are 30 ways to save more money on Georgia home insurance<\/a>. <\/li>\n<\/ul>\n\n\n\n
- Assuming contractors are covered<\/strong>: If your contractor doesn\u2019t carry adequate builders risk or liability insurance, you could be on the hook for damage or injury. Learn more about builders risk coverage in Georgia. <\/li>\n<\/ul>\n\n\n\n
- Skipping liability upgrades<\/strong>: Pools, trampolines, and even decks can increase your liability exposure. If someone gets hurt, you\u2019ll wish you had more coverage. <\/li>\n<\/ul>\n\n\n\n
- Not updating coverage<\/strong>: Your insurer won\u2019t know you remodeled unless you tell them. If your home is underinsured, you could receive a partial payout after a loss. <\/li>\n<\/ul>\n\n\n\n
- Making energy-efficient improvements (see green discounts for Georgia homes) <\/li>\n<\/ul>\n\n\n\n
- Adding security systems or smoke detectors <\/li>\n<\/ul>\n\n\n\n
- Upgrading electrical systems to modern code <\/li>\n<\/ul>\n\n\n\n
- Installing a new roof with hail-resistant materials <\/li>\n<\/ul>\n\n\n\n
- Expensive new roofing or exterior materials <\/li>\n<\/ul>\n\n\n\n
- Adding a swimming pool or trampoline <\/li>\n<\/ul>\n\n\n\n
- Room additions or building out a guest suite <\/li>\n<\/ul>\n\n\n\n
- Major kitchen or bath renovations <\/li>\n<\/ul>\n\n\n\n
- Eco-friendly additions like solar panels or energy-efficient windows (related: how going green can help you save<\/a>) <\/li>\n<\/ul>\n\n\n\n
- Upgrading the HVAC, plumbing, or electrical systems <\/li>\n<\/ul>\n\n\n\n
- Installing a pool, deck, or fence <\/li>\n<\/ul>\n\n\n\n
- Room additions or finishing a basement <\/li>\n<\/ul>\n\n\n\n