Are Contractors Covered While they Work on my Home?

When it comes to homeowners insurance, there are a lot of incidents that will be covered. Most of the time, you can easily assess what these are, but sometimes issues might arise that you are not entirely sure of. One thing that might come up for you is whether or not contractors who work on your home will be covered under your policy. If you don't take the time to investigate this issue thoroughly, then you could take the chance that you'll be left with some large bills to pay.

You might make the assumption that your homeowners insurance policy will cover contractors when they are working on your home; however, this is something that you need to be careful about. If a contractor is working on your home and a fire breaks out, then this might actually be covered under a basic policy. However, if a contractor gets hurt while working on your home, you're going to need some liability coverage if you want to be able to pay for these damages. Don't just assume that you have this coverage because it could end up costing you in the end.

Protect Yourself and Your Home

If you want to make sure that everything goes smoothly and you don't have any uncovered incidents when a contractor is working on your home, then you need to contact your homeowners insurance provider before any work begins. You can speak with your agent and explain the work that is going to be done on your home, and then find out if your contractors will be covered if they are injured during the job. If you don't have this coverage, then you may want to see what you can do to add it to your policy.

If you do add some coverage to your homeowners insurance policy that will cover contractor accidents, then you need to make sure that you get this in writing. You're also going to want to be double sure of the start date of this coverage. You might assume that this coverage will kick in right when you purchase it, but this is not always the case. It may take until the beginning of the next month for coverage to be available, and you're going to need to know this as soon as you can.

You should also call your contractor and speak to them directly about these issues. Most contractors are going to have their own insurance policies, but it may end up that you are liable for certain instances and not them. However, it's going to be good for you to know just what kind of coverage that your contractor has, so that you can compare it to yours. You'll want to make sure that everyone is on the same page before any work is completed on your home. The more coverage you and your contractor have, the safer things will turn out to be.

Eliminating Risks in the Home

If you are thinking about whether contractors are covered in your home, then it means that you care about keeping everyone safe while they work. One thing that you can do to make sure that your contractors and your home stay safe is make sure that you are well prepared for their arrival. If you have contractors working in certain areas of your home, make sure that you have cleaned the area to the best of your ability. Once you have, then this will make things a whole lot safer for your contractors.

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