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When you purchase homeowners insurance, it is important that you understand all of the different coverages that you have. One type of coverage that you might have is alterations and additions coverage. Here are the basics of alterations and additions coverage.

Alterations and additions coverage is a type of coverage that is designed to pay for damage to any changes or additions that you have made to your property. In most cases, you are going to be covered automatically for up to 10 percent of the value of the property with this type of coverage.

What are the different things I need to keep in mind for Alterations Insurance?

If you make any substantial changes to your property, you will want to make sure that you document these changes. Keep a statement of how much the changes cost you and this way you will be able to be reimbursed for this cost if you have a loss. This coverage can also cover property losses on additional items that you have brought into your home. If you think it is necessary, you can call your insurance company and increase this amount of coverage for an additional cost. If you have made substantial improvements to your property, you might want to consider doing this.

How much does Alterations Insurance cost?

There are many different factors that can affect your cost for alterations insurance, including your:
 

  • Location, because some states have minimum coverage requirements that can increase your insurance cost.

  • History, especially if you’ve faced many claims and lawsuits in the past.

  • Size of improvement, because the larger the project, the more it can cost for coverage.

  • Policy terms, like choosing a higher coverage amount, deductible or earlier retroactive date.

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