Making home renovations is a great way to get the home office you need or get the pool or hot tub that may help to improve property values. However, when approaching any kind of upgrade, you’ll need to consider the affects it may have on your homeowners insurance in Texas. When drawing up the plans or hiring contractors for a new upgrade, think about safety factors, costs, permits and construction aspects, which could affect your premium on your homeowners insurance in Texas.

Replacing a Roof

In most cases, people replace their roof because it has developed leaks, is no longer sound or it is susceptible to hurricane damage for example if you’re living in Texas. If you’ll be living in the home for several more years, the cost of new roofing may be justified rather than putting up with constant leaks and repairs.

Before contacting your agent about homeowners insurance in Texas, you’ll want to meet with a professional contractor to draw up a few potential designs while considering structure, costs and hurricane proofing if appropriate.

Installing a roof that meets code and is designed to withstand hurricanes, could make a significant reduction in your homeowners insurance in Texas.

Repurposing Space into a Home Office

Rather than concentrating on how you’re going to arrange your home office, you’ll need to focus on whether you’re making structural changes to enlarge the space, which could affect homeowners insurance in Texas. Increasing the square footage of the home would cost more to rebuild and affect the cost of your homeowners insurance in Texas.

In addition, if customers will be coming to the home, you’ll want to discuss liability insurance coverage or business insurance coverage with your agent to see that you are well protected.

Upgrading the Kitchen

Upgrading your kitchen with new flooring, appliances, cupboards, lighting fixtures or windows may have a sizable affect on the cost of an insurance premium for homeowners insurance in Texas.

Make sure you use a licensed contractor that carries liability and workers’ compensation insurance while performing the work, just in case of accidents.

Installing a Pool

Insurance carriers view pools as an added risk factor on any home. After deciding on the size and location of a new pool, contact your agent to discuss how a pool would increase the cost of your homeowners insurance in Texas.

You’ll need to come to terms with fencing requirements and safety features to reduce liability issues if possible. Also, consider whether you’re over building in your neighborhood where resale factors may be a concern.

Converting a Garage Into Living Space

On the surface, converting a garage into livable space sounds simple, but in reality, it’s fairly costly. You’ll need the services of a professional contractor and might need to install plumbing and electricity.

Changing a garage over to livable space also means pulling permits with the city to meet code.

In addition, this major upgrade requires changes to your homeowners insurance in Texas to account for the extra living space and cost of replacement if there should be damage or a loss from coastal storms or a fire.


Make sure you keep receipts for contracting jobs, materials, supplies or the purchase of appliances. Keep records of renovations by taking photographs or recording a video for yourself and your agent to be filed with your homeowners insurance in Texas policy.

If you’re considering a renovation, which significantly affects replacement costs, safety factors or structural issues, it is a smart idea to contact your agent about your homeowners insurance in Texas before purchasing the services of a contractor or buying any construction materials, tools or supplies.