Renovating your home
Since you’re very good with your hands, you’ve decided to do the renovations yourself. You must let your insurer know, because depending on the scope of the work projected, you may need to purchase construction insurance. Your insurer will add additional coverage (or an endorsement) to your policy. Here are the advantages:
To be able to take advantage of this coverage, there must be no contractor overseeing your building site.
It provides the same coverage for your materials as your home insurance policy (fire, wind, hailstorms, lightning, etc.)
For more details about construction insurance, consult your insurance agent or broker.