Bonus rooms can create confusion for many homeowners. Because these rooms are not always included in official square footage, it is easy to assume they are not covered under a home insurance policy. Trahan Insurance Agency LLC explains how bonus rooms are viewed in Griswold, CT, and what you may need to do to ensure your coverage is accurate.
Understanding How Bonus Rooms Are Covered
Bonus rooms may be covered under your standard home insurance or under additional dwelling coverage. This can vary based on whether the bonus room is attached to your home or detached. Attached bonus rooms are often covered under the main dwelling portion of your policy, while detached structures may fall under other structures coverage, which typically has a lower limit.
Connecticut insurance regulations allow homeowners to secure the protection they need, but each policy has its own terms. It is important to review your coverage with your insurance provider to make sure the bonus room is listed appropriately.
What to Consider Before or After Adding a Bonus Room
If you live in Griswold, CT, choosing the right home insurance policy is just as important as selecting the right insurance carrier. Adding a bonus room can increase your home’s value, which may raise your insurance premium. Trahan Insurance Agency LLC helps homeowners understand how construction plans can affect coverage and costs.
If you already have a bonus room that is not counted in your square footage, we can help you determine how your current policy treats the space and whether adjustments are needed to avoid gaps in protection.
If you have questions about home insurance, whether related to a new property, a renovation, or a policy review, our team is here to help. We can guide you through coverage options and explain how to protect your home from losses caused by natural or man-made events.