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How to make sure your home is protected during renovations

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How to make sure your home is protected during renovations

You spend the best hours of your life at home with the ones you love, so why settle for second best when you can turn your property into a dream place to live? Renovating your home allows you to do just that, and it can cost less than you think, as well as potentially raising the value of your property. It’s important to remember, however, that renovations can also potentially damage your property, which is why you should always protect your home while improvements are being carried out. Here’s why home insurance is so important, and how to find the best policy at the best price.

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Protecting your home’s surfaces

Whether you’re renovating your property from top to bottom or carrying out home remodelling on a smaller scale, it can make a huge difference to how your rooms look and feel. It’s also important to remember, however, that whilst the renovations are carried out, vulnerable parts of your property are facing threats that simply wouldn’t be there at other times. Dripping paint can attack carpets and flooring, while glass, walls, and ceilings can easily be damaged by the slip of a hand or a tool. For this reason, you should always carry out a thorough risk assessment of your home before carrying out renovations. Always use dust sheets and masking tape to protect vulnerable areas, and only use tools in accordance with the manufacturer’s instructions and safety guidelines.

The importance of home insurance during renovations

Taking the precautions outlined above will reduce the risk of accidental damage occurring in your home during renovations, but it can’t negate the risk completely. That’s why it’s essential to have a comprehensive home insurance policy in place that will cover the cost of damage caused during home improvements, whether that be damage to contents of the home such as its furniture and furnishings, or damage to structural components such as doors, ceilings, and windows. Your home may also be exposed to the elements during major renovations, so a policy that covers environmental damage is also a good idea. Having this insurance ready and waiting can provide that all-important peace of mind, as well as ensuring that you don’t end up significantly out of pocket if the worst happens.

How to find the best home insurance policy

Not all home insurance policies are the same, so if you are planning future renovations, always ensure that your policy covers accidental damage first, as well as providing contents insurance. Reading the small print may not be exciting, but it can save you a lot of disappointment later on. It’s also important to ensure that you’re getting a great price for your insurance, and that’s where specialist sites such as Lowest Rates can prove invaluable. Home insurance quotes in Ontario and beyond can be compared at the click of a button, so you won’t have to pay more than you could be. Don’t be tempted to simply take the first policy you see advertised, shopping around and comparing can take less time, and save you more money, than you think.

With the appropriate physical protection in place and the financial protection that comes from having a great value home insurance policy, you can carry out those home renovations you’ve always dreamed of. When your home looks exactly as you want it to, every day will be a joy, so why wait to transform your property?

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