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Baby Boomers: Cover Your Home Upgrades With Home Insurance!

Baby Boomers: Cover Your Home Upgrades With Home Insurance!

Baby Boomers: Cover Your Home Upgrades With Home Insurance!

If Baby Boomers make changes to their homes, they need to change their home insurance, too.

As you enter into your golden years, you probably have found that you need to make some changes around your home so it better suits your needs. Whether that means raising your sunken living room to get rid of the tripping hazard of your steps, renovating your shower to make it easier to use, or moving your bedroom to the ground level, altering your home can make it a better place to live in your current season of life.

As you make those changes, it’s important that you also consider changing your home insurance accordingly. Some smaller changes, like adding hand rails, won’t require a policy review, but other remodels will upgrade your home, increasing its value. You need to have that increased value covered by your policy so you could rebuild your home after a disaster.

Let’s look at a few boomer upgrades and their common costs to give you a clearer idea of how they might affect your home insurance policy. Changing the doors to your shower and installing handrails can cost around $7,000. Filling in a sunken living room with concrete costs about $3,000. Installing a residential elevator will cost $20,000 or more. With each of these changes, you should give your insurance agent a call to discuss if you need to increase the replacement value coverage your home insurance offers. After all, you don’t want to have to buy your residential elevator twice!

Are you unsure if your recent home project requires a change to your California home insurance policy? Ask your agent; contact Remland Insurance for clear-cut answers to all of your insurance questions! Our staff in Orange is here to make sure you have the protection you need, no matter how your home or your life change!

 

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