Home Renovations and Insurance: Update Your Policy Before the Permit Closes
· Home Insurance
A kitchen remodel, a new roof, or an added bathroom changes your rebuild cost and often your premium in both directions. Telling your agent afterward is expensive.
Rebuild Cost Changes Immediately
Coverage A should reflect current replacement cost including upgrades. Underinsurance shows up as a coinsurance-style shortfall at the worst possible time.
Some Upgrades Lower Premium
Florida rewards mitigation. Send documentation and we will re-rate.
- New roof with wind mitigation inspection
- Impact windows and doors
- Updated electrical, plumbing, and HVAC
- Monitored alarm and water shutoff devices
Coverage During Construction
Large projects may require a builder's risk policy or a specific endorsement, and vacancy during the work can restrict coverage.
Frequently Asked Questions
Will a new roof really lower my Florida premium?
Frequently yes, and the wind mitigation form is what unlocks the credit.
Do I need to tell my insurer about a small remodel?
Tell us about anything that changes value, occupancy, or systems. Small notes prevent large claim disputes.
Talk to a Licensed Florida Agent
SunGate Insurance Agency is a locally owned and operated independent agency in Lake Mary, Florida, serving clients across the state. Send us your current declarations page or a competing proposal and we will show you exactly what changed — in writing. Call 407.878.7979 or start with our quote calculator.
Questions about your coverage?
Our licensed agents compare carriers to find the right protection at the right price.