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Do I need insurance coverage when renovating?

You’re renovating your home and your partner wonders if it’s really necessary to review the insurance coverage. Here’s the answer from our experts. 

No question about it! First of all, it’s important to tell your insurer that you’re renovating your home if only to check your liability insurance coverage. This protection will be particularly useful if a friend or family member helps you out with the work for free. Should an accident happen, and someone is injured, you could be held responsible. And take the opportunity to review your home insurance policy, considering the size and scope of the renovations. Who knows? You may even be given a premium reduction or additional protection if you replace your outdated heating system or 30-year-old roof.  

woman working on home renovations, cutting piece of wood
Amanda Caroline da Silva | iStock

If you do the work yourself, consider getting accident insurance as well. This will compensate you for certain costs relating to an accidental injury, like paramedical expenses (ambulance, private hospital room, physiotherapy) or vocational rehabilitation fees. In other words, all the complementary treatments that are necessary for your recovery. Playing it safe is the best approach. 

  • Make sure your vaccinations are up to date, especially against tetanus.  
  • Wear a safety harness when heights are involved.  
  • Don’t skimp on personal protective equipment (PPE) like goggles, gloves, helmets, earplugs and masks.
  • Use proper tools and keep them in good working order.
  • Respect safety protocols and manufacturers’ operating instructions.
  • If you entrust the work to a contractor, demand proof of their own professional liability insurance.

Call CAA Insurance before you get started. Major renovations may require certain kinds of insurance. While no specific renovation guarantees savings on premiums, an insurance agent can also do a complimentary policy review to discuss the best way to maximize savings. Plus, CAA Members save 10%1 on CAA Home Insurance2 policies.

1To qualify for the discount you must be a current CAA Member in good standing (CAA Membership dues paid in full by membership expiry date).  

2Property Insurance is underwritten by CAA Insurance Company. 

®CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association. 

Certain conditions, limitations and underwriting guidelines apply.  

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