When remodeling a house, there are two situations when special insurance is needed. First, if your home insurance does not cover remodeling.  Second, if your contractor is not insured.

In order for you to avoid loss and liabilities, it is vital that you check with your insurance company and the contractor before you start the remodel to make sure everything is covered. Insurance is needed in case of damage the house and to construction materials. It is also necessary in case of injury during the job. Plumbing, electrical installation, and activities that employ heavy machines should also be covered by your insurance. It is important that your contract clearly specifies which kinds of insurance are required by your remodeling project.

Before you start, make sure to visit your insurance agent to discuss all the things that should be covered. In this way, your agent can advise you on the things that you should include or exclude in your plans in order to protect yourself.