Many condo owners plan renovations before the new year to refresh their living space or increase property value. While upgrades are exciting, they can also affect insurance coverage. As an insurance company, we often see claims delayed because renovations were not reported in advance. Sharing the right details helps keep coverage aligned with your home’s new condition.
Changes to walls, flooring, plumbing, or electrical systems can affect risk levels. Even small layout changes may alter coverage needs. Informing us early ensures your policy reflects the updated structure.
New kitchens, bathrooms, flooring, or built-in features increase the value of your condo. Without updating coverage limits, you may be underinsured. Adjusting limits protects your investment.
Licensed contractors reduce risk. Sharing contractor information and timelines helps confirm that work meets safety standards. This can help prevent claim disputes later.
Renovations increase risks like fire, water damage, or theft. Temporary coverage adjustments may be needed during construction. Notifying us allows proper protection during this period.
Condo renovations often need HOA approval. Insurance coverage works best when renovation plans follow association guidelines. This avoids conflicts if damage affects shared areas.
Renovations bring value and comfort, but they also change insurance needs. Informing your insurer before work begins keeps coverage accurate and claims smooth. As an insurance company, we help condo owners update policies so renovations remain a positive experience from start to finish.
Business liability risks continue to evolve. Customer expectations, legal costs, and operational exposure are higher than ever. As 2026 approaches, many businesses are re-evaluating insurance limits to ensure protection keeps pace with growth. Choosing the right liability limits is not about buying the highest number available. It is about matching coverage to real risk. As […]
Skilled snowmobile riders invest heavily in their equipment. Performance upgrades, safety features, and comfort accessories transform how a machine handles winter terrain. While these additions improve the riding experience, they are often overlooked in insurance coverage. As an insurance company, we regularly see claims where accessories were damaged but not covered because they were never […]
