Month: May 2025

Planning a kitchen upgrade or adding that dream deck out back? Home renovations can be thrilling—and let’s be honest, a bit chaotic—but there’s one step homeowners in Louisa, VA, often overlook: updating their insurance.

When you improve your home, you’re not just adding style and function; you often increase its value. That means your current home insurance policy might not fully cover the new upgrades if something were to happen. At The Pivotal Insurance Agency LLC in Louisa, VA, we help homeowners navigate these changes so their coverage keeps pace with their property.

Suppose you finish your basement or upgrade your electrical system—great moves, but they can also alter your risk profile. Renovations can affect your premium (sometimes it increases, sometimes it decreases), and your provider needs to be informed so your policy can reflect the home’s new reality.

When should you let us know? A good rule of thumb is that if it changes the structure, square footage, or value, it’s worth a call. That includes things like bathroom remodels, kitchen overhauls, or even adding a shed or outbuilding.

At The Pivotal Insurance Agency LLC, serving residents in Louisa, VA, we’re here to help simplify the process. We’ll review your policy, discuss what’s changing, and ensure your coverage is adjusted accordingly. It’s just one more way we help protect what matters most.

And don’t worry—this isn’t about getting bogged down in paperwork. A quick conversation now can save you a major headache later if damage or a claim ever occurs. If you’re planning a project or just wrapped one up, call us. We’d love to ensure your investment is adequately covered.