One of the biggest perks of owning your own home is the ability to customize your property to fit your lifestyle. Harrison Insurance and Financials can help you customize a policy that fully protects all the architectural and design elements in your Idaho home. However, did you know that your remodeling work might impact your homeowner’s insurance policy? Here are some common home design elements that might affect your homeowner’s insurance options.
Driveways, Sidewalks, Pathways
Having unpaved or poorly maintained driveways, walkways, and sidewalks increase the chances of someone getting hurt on your property. Your insurance agent may see that as an increased risk, which could mean higher premiums. Smooth, sealed, and clear pathways are the best way to protect your potential liability.
Swimming Pools
The type of pool you choose determines its effect on your policy. Permanent pools that are installed in the ground or anchored to the land are included in your primary policy. That means anything that happens in or around them qualify for liability coverage payments. Portable pools that are not permanently attached, however, may require additional coverages. Talk to your agent to understand your personal options.
Wood Burning Stoves
Your wood-burning stove decreases your energy costs and improves the aesthetic of your home. It could also increase your home insurance premiums. Poorly installed stoves are a big risk for fire, carbon monoxide, and other issues that could trigger a claim. Your insurance agent can help you find ways to decrease the risk of your indoor wood burning stove.
You don’t have to settle for a cookie-cutter home. Harrison Insurance and Financials in Hailey, ID can help you create a homeowner’s policy that fully covers all the design elements in your Idaho home. Contact us for a free quote or to discuss your coverage options.
