How do I choose the right builder’s risk insurance for my remodel?

Start by assessing your renovation’s full scope and value, including materials, labor, and soft costs like permits or rental income loss. Confirm your policy covers common risks in San Diego, such as wildfire, theft, and coastal weather. Ensure your contractor’s insurance doesn’t leave gaps, and work with a local agent who understands regional construction risks.

What insurance add-ons should I consider for a full-coverage remodel?

Depending on your project, consider endorsements for debris removal, equipment breakdown, materials stored off-site, or loss of use. If your home is near a floodplain or wildfire zone, adding flood or wildfire coverage can be essential. These optional add-ons help reduce out-of-pocket costs and claim denials later.

Do I need to adjust my insurance if I’m adding an accessory dwelling unit (ADU) or a rental unit?

Yes. An ADU, especially one intended for rental use, may require a separate policy or rider. Discuss landlord liability, rental income protection, and tenant-related coverage with your agent. Even if you’re not renting immediately, securing appropriate coverage now can save you hassle later.

How does my remodel impact the rebuild value of my home?

Remodels increase your home’s replacement value. Upgrades like new square footage, premium finishes, or smart systems increase the cost to rebuild, which must be reflected in your policy limits. Request an updated appraisal after the remodel to ensure your coverage meets your home’s new value.

What risks should San Diego homeowners insure against during a remodel?

Aside from general construction risks, homeowners in San Diego should factor in wildfire exposure (especially in canyons or foothills), coastal flood risk, and compliance with local permitting regulations. These region-specific risks often require tailored policies or add-ons not included in standard coverage.

What’s the most common insurance mistake homeowners make during a remodel?

Not notifying their insurer before starting work. Failing to update your insurance provider can lead to denied claims or canceled coverage. Always inform them of your project scope and timeline, and request written confirmation of continued coverage.

Home Insurance Guide for During and After Home Remodel in San Diego

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