Stuck at home during the quarantine? A DIY home improvement must have in 2020.

Many homeowners don't know this and end up blindsided.

Homeowners insurance protects permanent structures. Once you begin making changes to a home—no matter how small—it becomes a structure in transition. That’s where a home remodeling policy comes in, and quite handy. Restoration of a home comes with a long list of things that the typical homeowners policy doesn’t cover.

Accidents or damages caused during the upgrade or restoration could ultimately cost more than the face-lift itself. Some examples are: theft, vandalism, debris removal, damage or theft of property when transporting to and from destinations, or to things you may have stored during the construction. If any damage is ultimately caused by a renovation- no matter how small- most homeowners policies won't cover it.

Your probably thinking, “It’s just a simple job, though. We’re only replacing tile in the shower!” It only takes one accidental pipe rupture to flood the house. Think of the costs to replace all the flooring that was damaged due to water. Or say you find mold behind walls or cabinets your taking down, then suddenly entire sections need replacing.

.

Protect your projects with a Builders Risk Insurance Policy. You will thank yourself later and not to mention feel a sense of relief knowing your covered during construction.