Homeowners

Do I need vacant home insurance during home renovation?

The right policy depends on the scope and type of work. Minor cosmetic renovations with the home still occupied are usually fine under standard homeowners. Major renovations where the home is empty (full kitchen rebuild, structural changes, extended remodels) may trigger the standard homeowners vacancy clause and need vacant home coverage. Major construction work where structural changes are happening, walls are open, or the home is uninhabitable typically needs builders risk insurance, which covers the renovation work itself, materials, and the partial structure. Talk to your contractor and your agent at the start of any major project to confirm the right policy structure.

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Do I need vacant home insurance during home renovation?

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