{"id":189,"date":"2026-09-30T12:00:00","date_gmt":"2026-09-30T18:00:00","guid":{"rendered":"https:\/\/www.hinmaninsurance.com\/blog\/?p=189"},"modified":"2026-09-22T09:29:34","modified_gmt":"2026-09-22T15:29:34","slug":"adding-on-to-your-home-here-s-why-you-need-to-update-your-home-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.hinmaninsurance.com\/blog\/adding-on-to-your-home-here-s-why-you-need-to-update-your-home-insurance-policy\/","title":{"rendered":"Adding on to your home? Here’s why you need to update your home insurance policy"},"content":{"rendered":"

A home addition can give your family more space and increase the value of your property. Whether you’re adding a bedroom, expanding your kitchen, or building a new living area, it’s important to consider how the project affects your homeowners insurance. Your existing policy may not provide enough coverage for the home’s increased value after the work is complete.<\/p>\n

Your Home’s Replacement Cost May Change<\/h2>\n

Homeowners insurance generally includes coverage for the physical structure of your home. Adding square footage or making significant improvements can increase the amount if would cost to rebuild your home after a covered loss.<\/p>\n

If you don’t update your policy after an addition, you could potentially have less coverage than you need. Talk with your insurance agent before or during the project to determine whether your dwelling coverage limits should be adjusted.<\/p>\n

Your New Space May Add Valuable Property<\/h2>\n

A home addition isn’t just about the structure itself. You may also purchase new furniture, appliances, electronics, or other belongings to fill the space. These items may fall under your personal property coverage, but it’s worth reviewing your limits to make sure they still make sense. Keep receipts and records for major purchases and ask your agent whether any particularly valuable items require additional coverage.<\/p>\n

Tell Your Insurance Agent About the Project<\/h2>\n

Don’t wait until construction is finished to think about insurance. Your agent can help you understand how the addition may affect your existing policy and whether you need additional coverage during construction. Once the project is complete, provide updated information about your home, so your policy accurately reflects the property you’re insuring.<\/p>\n

Hinman & Associates Insurance is Proud to Serve Reno, NV<\/h2>\n

Ready to update your home insurance. At Hinman & Associates, we’re proud to serve Reno, NV, and we’ve got you covered. Reach out today to learn more.<\/p>\n","protected":false},"excerpt":{"rendered":"

A home addition can give your family more space and increase the value of your property. Whether you’re adding a bedroom, expanding your kitchen, or building a new living area, it’s important to consider how the project affects your homeowners insurance. Your existing policy may not provide enough coverage for the home’s increased value after […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[6,21,16,20,19],"class_list":["post-189","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-hinman-associates-insurance","tag-home","tag-insurance","tag-nv","tag-reno"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t