Search
Report a Claim
Contact Us

Renovate with Confidence: Understanding How Home Renovations Affect Your Insurance Coverage

Renovate with Confidence: Understanding How Home Renovations Affect Your Insurance Coverage

As the first signs of spring start to emerge, it’s the perfect time to consider home renovations that can refresh and revitalize your living space. Embarking on a home renovation project is an exciting journey that can enhance your living space and add value to your property. However, before you swing that sledgehammer or pick out paint swatches, it’s essential to consider the impact of renovations on your home insurance. At SeaFirst Insurance, we’re here to guide you through the ins and outs of ensuring your coverage aligns with your evolving home. Let’s explore key renovations that can affect your home insurance and how you can renovate with confidence.

  1. Expanding Your Space: Room Additions and Extensions

Adding a new room or extending existing spaces can significantly impact your home’s value. It’s crucial to update your insurance coverage to reflect these changes accurately. We can help you reassess the replacement cost of your home, ensuring that your policy adequately covers the increased value.

  1. Upgrading Your Kitchen or Bathroom

Renovating high-value areas like the kitchen or bathroom can also impact your insurance needs. New appliances, fixtures, and finishes may increase the replacement cost of these spaces. Updating your policy ensures that you’re adequately covered in case of damage or loss to these upgraded areas.

  1. Roof Replacements and Upgrades

Investing in a new roof not only enhances your home’s curb appeal but also plays a crucial role in protecting it. Some insurance providers offer discounts for homes with newer, more durable roofs. Keep us in the loop about your roof upgrades to potentially benefit from these discounts and ensure your coverage aligns with the enhanced protection.

  1. Installing a Swimming Pool or Hot Tub

While adding a pool or hot tub can transform your backyard into a haven of relaxation, it also introduces new liability risks. It’s essential to update your liability coverage to account for these amenities. We can guide you through the necessary adjustments to ensure you’re protected against potential incidents.

  1. Home Office Additions

The rise of remote work has led many homeowners to create dedicated home offices. If you’re converting a space into a home office, consider updating your insurance to include coverage for business equipment. SeaFirst can help tailor your policy to protect your work-related investments.

Renovate Smart, Insure Smart with SeaFirst

 

As you embark on your home renovation journey, SeaFirst Insurance is here to be your trusted partner. By keeping us informed about your home improvements, you can ensure that your insurance coverage evolves with your property. Renovate with confidence, knowing that your investment is protected, and your home insurance is up to date. If you have any questions or need assistance in adjusting your coverage, contact SeaFirst Insurance, and let’s navigate your home renovations together.

Homeowner Insurance – SeaFirst Insurance

“Yesterday my husband and I completed a private purchase of a vehicle in Sidney. The seller suggested we go to your agency to do the transfer and insurance. What an amazing customer service experience. All three employees were engaging and helpful. The gent who helped with our transaction was absolutely awesome. Thank you for your stellar service. We live in Colwood but joked we will drive to Sidney for all of our insurance needs on a go forward! Keep building the incredible culture you have at the Sidney location.”
— Kelli S.
“SeaFirst and Garrett have been wonderful to deal with, quick to respond to our needs and questions. Even better is that they saved us a ton of money on our insurance with their adventure tourism specific policy.”
— Breanne and Rick, Spirit of the West Adventures Ltd.
“I was satisfied and pleased with the prompt attention with which our claim was handled. Each person I spoke to during this process was very helpful.”
— Sue, Intelligent Traffic Equipment
“The service received from SeaFirst, the adjusters, the insurers and the restoration people was great. I highly recommend everybody who was involved. Thanks for the help in a horrible situation.”
— Nighean Anderson
“SeaFirst Insurance has been the insurer of Driftwood's assets and liability since our opening day of operation in 2008. They have been able to customize, adapt and structure our growing needs into a comprehensive plan that is far superior in value and relevance to our unique needs than anything else presented to us.”
— Gary Lindsay, Driftwood Brewery
“SeaFirst Insurance dealt with an emergency flood situation whilst we were out of the country and were unreachable! They acted immediately when a neighbour called them to inform (them) about the flood, sending a service tech team out that same night. SeaFirst's repair and restoration team were instructed, coordinated, highly skilled, fast workers and absolutely amazing in every way possible.”
— Michelle Hall, Cedarwood Cove
“We were fortunate enough to have discovered SeaFirst in 2001. We have very specific insurance requirements and often need to call SeaFirst for additions, information, clarifications and such. Responses are always immediate and thorough. We would recommend SeaFirst, without reservation, to anyone considering their services.”
— Christine Bowles, JEA
“Honest, insightful and accurate service is what we’ve come to expect from Shawn and the team at SeaFirst Insurance Brokers. The firm has unmatched customer service coupled with incredible expertise and most importantly - they save us time because I know that when I contact them, they’ll take care of our issue quickly and correctly.”
— Kent O'Neill, The Lodge at Gold River Ltd.
“As a business consultant, I realize that a key building block of any operating plan is risk management; more to the point – informed risk management that not only protects operations but can promote growth with how you structure your liability coverage. I have zero hesitation in recommending SeaFirst Insurance as a strategic partner in all aspects of professional risk management.”
— Terry Phelps, Working Paper Consultants Ltd.
“We experienced a loss within the first three months of becoming store owners. The staff at SeaFirst insurance helped us to get through it with their great understanding and service. They were wonderful to work with, especially under the circumstances.”
— Sandy Conn, Qualicum Pharmasave
“I was very happy with the timely decision on the acceptance of my claim. As a small business owner, it was important to me that there were no unnecessary delays that would impact my business. I am very happy with the straight forward expediting of this claim.”
— J. S. Moreton & Associates Ltd.
“Service was exceptional from both SeaFirst and the adjuster! The adjuster visited the property the same day I reported the damage and all parties operated efficiently and professionally.”
— Graham & Nancy Williams
"Thank you for your professionalism, I would never entrust my insurance with anyone but Seafirst, quick , easy and timely, Warm regards Edwina"
— Edwina MacDonald
Previous
Next

Useful Links

Head Office

7178 West Saanich Road

Brentwood Bay, BC

V8M 1P6

Contact Us

Phone: 1-877-655-1141
Fax: (250) 652-4427
Email: info@seafirstinsurance.com

Copyright © 2009-2024 SeaFirst Insurance Brokers, Victoria, B.C. All rights reserved | Terms of Use | Website by Caorda
Facebook Twitter Linkedin