Did You Renovate in 2025? Why You Should Reevaluate Your Homeowners Policy

If you completed a home renovation in 2025, now is the perfect time to take a closer look at your homeowners insurance. Many Florida homeowners invest in upgrades to improve comfort, boost property value, or add new features, but it’s easy to overlook how these changes can impact your insurance needs. 

Why Renovations Affect Your Homeowners Insurance 

Renovations can significantly change your home’s structure, value, and risk profile. Whether you added a new room, remodeled your kitchen, upgraded your roof, or installed a pool, these improvements may increase the cost to rebuild your home after a loss. If your policy isn’t updated, you could be underinsured and face unexpected out-of-pocket costs. 

Key Reasons to Review Your Policy After Renovating 

• Increased property value: Upgrades often raise your home’s replacement cost. Your policy should reflect this new value to ensure you have enough coverage. 

• New features and risks: Additions like pools, decks, or home offices can introduce new risks. Your policy may need adjustments to address these changes. 

• Updated building codes: Renovations may require your home to meet current Florida building codes. Adequate coverage can help with the extra costs of code compliance after a claim. 

• Personal belongings: If you purchased new appliances or furnishings, your personal property coverage may need to be increased. 

How Our Team Can Help 

Our team at Bacon Insurance specializes in Florida home insurance and understands the unique challenges homeowners face in our state. We can review your current policy, assess your recent renovations, and recommend updates to keep your coverage aligned with your needs. 

Don’t wait until you need to file a claim to discover gaps in your protection. If you renovated your home in 2025, contact us today for a personalized policy review.  

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.