How to Insure a Home Renovation or Addition in Florida
Renovations are booming across Jupiter, Tequesta, Palm Beach Gardens, Juno Beach, North Palm Beach, Stuart, and Hobe Sound. Whether you’re updating your kitchen, adding a bedroom, replacing your roof, or expanding your outdoor living space, it’s important to understand how your insurance is affected.
Many homeowners assume their existing policy automatically adjusts — but failing to update coverage can leave major parts of your renovation uninsured.
Review your policy before any work starts
Increasing your home’s value means your insurance may need adjustments. This is especially important in coastal areas like Jupiter and Tequesta, where rebuild costs are high.
Major projects may require Builder’s Risk
A Builder’s Risk policy protects the project during construction — covering theft, storm damage, fire, vandalism, and on-site risks. This is important for high-value homes in Jupiter, Tequesta, and Palm Beach Gardens.
Verify contractor insurance
Always confirm liability, workers comp, and proper licensing.
Some renovations lower your premiums
Impact windows, new roofs, upgraded plumbing, and electrical improvements can reduce insurance costs in Palm Beach and Martin County.
Additions change your home’s value
New rooms increase square footage — and that increases your replacement cost.
Document the project
Keep receipts, photos, permits, and material lists.
Update your policy when finished
After construction, update dwelling coverage, replacement cost, and wind mitigation credits.
Protect Your Home Before, During, and After Renovation
Whether you’re renovating in Jupiter, Tequesta, Palm Beach Gardens, Hobe Sound, or Stuart, we’ll help ensure your home stays fully protected.
Call today! 561-951-7441