Home Insurance Upgrade Hawaii HI

Reader’s Question:

I am renovating my house in Hawaii and I would like to know any essentials regarding my home insurance. Hope to hear some tips from you!

Cathy

Ewa, HI

Hello there, Cathy.

I’m glad that you asked about home insurance upgrade. Most people who do not care to know much about home insurance policy would automatically think that it is for coverage in case the house will catch fire. Not so many know about home insurance policy as a protection or coverage in case a contactor or plumber causes accident in your home. A few of these accidents include, but is not limited to, fire, damage on your neighbor’s property due to the ongoing construction, and everything else. Always bear in mind that such things are not covered by your home insurance by default.

Such misconception might sometimes be caused by confusion with other types of insurance, like car insurance for that matter. There are some home insurance policies that are comprehensive enough to include different events. Others can be more specific though, which will only cover a variety of dangers defined in the policy itself and excludes coverage for anything that is not on the list. Thus, liability claims or damage done to your house which results from the actions of contractors during your renovation will not be included.

Remember this all the time, Cathy. Before you let any contractor enter your house to begin construction, make sure your home insurance policy in Hawaii would cover contractor liability claims in case of accidents. Extra protection for you home can be protected when you have already hired a contractor to do the renovation works. You should not depend on the contractor’s insurance. Rather, it is the best practice to purchase peril-specific home insurance policy.