Home Additions You Should Avoid for Insurance Purposes

Home Insurance Tips for San Diego, CA.

Adding something new to your home can be a fun project, but before you begin you should consider how it could impact your insurance. Safety risks especially come into play, but there are also other factors involved. Here are a few additions you may want to reconsider for this reason.

A Wood-Burning Fireplace or Stove

Wood-burning fireplaces and stoves account for over 36 percent of all rural and residential fires in the United States. Everyone loves to sit down by a fire on a chilly night, but this is one home upgrade you might want to avoid. Instead, you should consider a safer alternative such as a gas fireplace.

A Pool

An in-ground pool is one of the most expensive upgrades anyone can make to their property. In addition to the installation and maintenance costs, homeowners could be facing huge increases to their homeowners insurance in San Diego because of the safety risks involved. These premiums will go up even further if there are children living in the home.

A Home Office

Any change to the square footage of your home will result in a change to your insurance premiums. If that change involves a home office, you could be looking at a twofold increase in your insurance. Those who plan on conducting any business out of their homes must consult with their insurance provider to see if they need San Diego business insurance or an insurance rider.

A Garage

A garage will almost always increase the value and livability of a home, but insurance providers also see this addition as a large risk. Bringing a vehicle into a garage can increase the likelihood of a fire or asphyxiation. A covered patio is a good alternative to protect your vehicle from the elements without adding another space.

A Tree House

Though a tree house is not exactly an addition to your home, it is a structure many families put on their property at some point. While a tree house might be incredibly fun for your children and their friends, it can also increase their risk of becoming injured. Most home insurance providers will inquire about tree houses as well as backyard trampolines and zip lines.

If you are planning any type of addition to your home, make sure you have the insurance coverage you need to keep your property and family protected. For quotes on affordable homeowners, commercial, and auto insurance in San Diego, contact the insurance experts at American Tri-Star San Diego. Call 619-272-2100 today to speak with one of our friendly and knowledgeable representatives.