At Agate Insurance in Fort Collins, we help homeowners protect their biggest investment — and as the best insurance agent in town, I make sure your coverage keeps up with your home improvements so you’re never caught off guard.
Why Home Renovations Affect Your Insurance
Renovations can increase your home’s value, size, and replacement cost — meaning you may need to adjust your coverage limits. Some updates can even qualify you for insurance discounts, like when you improve electrical, plumbing, or security systems.
Before starting any project, talk to your local Fort Collins insurance agent (that’s me!) to review your homeowners policy and ensure your updates are fully covered.
1. Kitchen Renovations
A kitchen upgrade can transform your home — and your insurance needs.
- Hire insured contractors. Always ask for proof of liability and workers’ comp coverage.
- Update your policy limits. If your remodel increases your home’s value, you may need higher coverage.
- Protect helpers. If friends or family pitch in, make sure your medical payments coverage is adequate.
A dream kitchen deserves the right protection — and I can help make sure your insurance matches your home’s new look.
2. Bathroom Makeovers
From new tile to updated fixtures, bathroom upgrades add comfort and value.
- Plumbing work can cause damage if done incorrectly, so confirm your plumber’s insurance.
- Protect materials stored on-site with a builders risk policy.
- Update your home’s value after renovations are complete to ensure full coverage.
3. Converting a Room into a Home Office
Working from home? You’re not alone — but your coverage might not be keeping up.
- Business equipment may only be covered up to $2,500 under a standard home policy.
- Consider a home business endorsement or small business policy for extra protection.
- If your new home office will be storing a lot of equipment, remember that your home insurance policy often only includes a limit of $2,500 for this type of property. Ask your independent insurance agent about home business endorsements if you’ll be keeping more than this amount at your home.
- You may need an entire business insurance policy if your entire business will be run from home and you’re self-employed, especially if clients or other business contacts will be visiting your property. If you’re working at home for another contractor, check to make sure you’ll be covered by the company’s policy as well as their workers’ compensation insurance.
As your trusted Fort Collins insurance expert, I can guide you on the right coverage for your remote work setup.
4. Adding a Sunroom
Sunrooms bring light and warmth — and can boost your property value.
- You may need to increase your coverage limits to reflect added square footage.
- Ask about discounts for energy-efficient updates or security features.
- Protect stored materials with a builders risk policy before installation.
5. Finishing a Basement
Transforming a basement adds living space — but also potential water risks.
- Add water backup coverage to protect against sump pump failure.
- Ask about vacant home insurance if you’ll be away during construction.
- Updating plumbing or wiring could even lower your premiums.
6. Adding a Deck or Porch
Enjoy the Colorado sunshine with a new deck or porch — but don’t forget your insurance.
- Check for permit requirements before building.
- Always hire insured contractors to prevent liability issues.
- Adding outdoor structures can increase your home’s value, so update your policy accordingly.
DIY Renovations? Protect Yourself
If you’re taking the do-it-yourself route, make sure your liability coverage is strong enough to cover injuries or property damage. Builders risk insurance can also help protect materials from theft, fire, or weather damage during the project.
Why Choose Agate Insurance in Fort Collins
As an independent insurance agency, Agate Insurance shops multiple top-rated carriers to find you the best protection at the best price. You’ll get personalized service, clear answers, and coverage that fits your unique home and lifestyle.
And when it comes to protecting your home in Fort Collins — I’m proud to be the best insurance agent in town. I’ll make sure your coverage is as strong as your foundation, no matter how big or small your renovation plans may be.
Ready to renovate with confidence?
Call Agate Insurance Agency in Fort Collins today — and let’s make sure your home insurance protects every improvement you make.
📞 (970-682-1758)
🌐 agateinsure.com
Agate Insurance – A Fort Collins Insurance Company
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