Bought A New Kitchen. Is It Covered With Home Insurance?

Adding a new kitchen in your home in Ballston Spa, NY can be quite a luxurious thing to do. You may have new materials, state-of-the-art appliances, and much more. However, you have to look at whether it’s covered within your home insurance.

If something were to happen the day after your kitchen is installed, such as a fire, you would only be covered for the value of your home as it is listed in your policy. Adding a kitchen could have added tens of thousands of dollars in value to your home.

At Zapp Insurance Agency LLC, we recommend making updates to your home insurance after any kind of renovation or remodeling project that you do. All of those new materials and appliances need to be taken into consideration. If you don’t make an update, the insurance company would reimburse you based on what they have within the policy, which means you might not have enough to cover the posh new kitchen that you just bought.

Since you never know what could happen and when you need to protect yourself. Home insurance is only as good as what is contained in the policy. That means that you need to make updates to your policy on a regular basis. We suggest updating your policy at least once a year so that you can include new kitchens and other things that you do around the house.

If you ever have to file a claim with the insurance company, you want the reimbursements to reflect reality.

When you make home renovations, call us at Zapp Insurance Agency LLC. One of our independent insurance agents can make sure that you get the coverage that you need. We’ll get quotes and go over coverage levels so you have what is necessary for your home in Ballston Spa, NY.