Remodeling your home can affect your homeowners insurance in several ways, and it may be helpful to talk with your insurance agent before the project begins. Will Your Home Be Covered During the Remodel? Homeowners insurance policies may have limitations on whether dwellings under construction or vacant more than a set number of days are covered. Check with your insurance agent about the details of your policy, and see what supplemental coverage may be available to make sure your home is protected during the process of being remodeled. How Will the Improvements Affect Your Coverage Limit? Additions, improvements, and extra features that make your home move enjoyable likely also increase the cost to rebuild, which is reflected in your policy coverage limits. Talk with your insurance agent to make sure your policy limits are adequate to cover damages for any increase in rebuild costs caused by the remodel.