{"id":940,"date":"2021-04-14T18:01:00","date_gmt":"2021-04-14T23:01:00","guid":{"rendered":"http:\/\/panamsaves.three.zysites.com\/2021\/04\/14\/update-your-home-insurance-for-major-home-improvements\/"},"modified":"2023-09-05T14:39:49","modified_gmt":"2023-09-05T19:39:49","slug":"update-your-home-insurance-for-major-home-improvements","status":"publish","type":"post","link":"https:\/\/www.panamsaves.com\/es\/blog\/update-your-home-insurance-for-major-home-improvements\/","title":{"rendered":"Update Your Home Insurance for Major Home Improvements"},"content":{"rendered":"<p>If you are making any changes to your home, it is important to make sure your <a href=\"https:\/\/www.panamsaves.com\/homeowners\/insurance_quote.aspx\">home insurance policy<\/a> reflects that change. Home insurance is calculated partially based on your home&rsquo;s total replacement cost value. This total replacement cost value is how much it would cost to completely rebuild your home after a disaster. When your home has improvements, your home&rsquo;s total replacement cost value tends to rise. Your coverage should be adjusted to these changes so that you can remain covered.<img decoding=\"async\" alt=\"a large lawn in front of a house\" src=\"http:\/\/panamsaves.three.zysites.com\/wp-content\/uploads\/sites\/70\/2023\/09\/houses.png\" style=\"float: right;\" loading=\"lazy\" \/>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.panamsaves.com\/homeowners\/insurance_quote.aspx\">Home insurance<\/a> works to protect your home from risks. Yet, the policy must match the risks present to be worthwhile. There are times when updating your policy is essential. &nbsp;<\/p>\n<p><strong>What Type of Home Improvement Projects Can Impact Home Insurance? &nbsp;<\/strong><\/p>\n<p>Most home improvement projects don&rsquo;t impact <a href=\"https:\/\/www.panamsaves.com\/homeowners\/insurance_quote.aspx\">home insurance<\/a> directly. Painting, installing flooring, or updating lighting is not likely to impact your policy. &nbsp;<\/p>\n<p>However, there are some situations where modifications can impact insurance. &nbsp;<\/p>\n<div class=\"SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<div class=\"ListContainerWrapper SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<ul class=\"BulletListStyle1 SCXW66504818 BCX0\" role=\"list\" style=\"margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW66504818\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\">\n<p class=\"Paragraph SCXW66504818 BCX0\" paraid=\"1740726863\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{32}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">I<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">ncreasing the value of the property significantly<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">.<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">&nbsp;Significant upgrades, such as replacing the kitchen, change the value of the home. It is important that the home insurance policy matches the value of the home.<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\"> <\/span><span class=\"EOP SCXW66504818 BCX0\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW66504818\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\">\n<p class=\"Paragraph SCXW66504818 BCX0\" paraid=\"318326760\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{47}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">A<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">dding in larger risk factors<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">.<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">&nbsp;Adding a swimming pool can be a risk factor. Adding an outdoor kitchen with gas can be a concern. If you add risk, you need to update your policy.<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\"> <\/span><span class=\"EOP SCXW66504818 BCX0\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW66504818\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\">\n<p class=\"Paragraph SCXW66504818 BCX0\" paraid=\"2097021319\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{62}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">The home&rsquo;s rebuilding cost is not the same as its for-sale value. Be sure your home insurance covers the value of the home to rebuild. This is important in a total loss situation.<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\"> <\/span><span class=\"EOP SCXW66504818 BCX0\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<div class=\"ListContainerWrapper SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<ul class=\"BulletListStyle1 SCXW66504818 BCX0\" role=\"list\" style=\"margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW66504818\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\">\n<p class=\"Paragraph SCXW66504818 BCX0\" paraid=\"932022499\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{71}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">E<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">nhancing security<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">.<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">&nbsp;Some home improvement projects reduce home insurance costs. Let your agent know about these updates. You may qualify for a discount.<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\"> <\/span><span class=\"EOP SCXW66504818 BCX0\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW66504818\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\">\n<p class=\"Paragraph SCXW66504818 BCX0\" paraid=\"1271480476\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{86}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">A<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">dding square footage<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">.<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\">&nbsp;Home insurance plans are specific to the home&rsquo;s current footprint. Update the agent if you add a bedroom. Large-scale projects like this change the value of the home, too.<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW66504818 BCX0\" style=\"margin: 0px; padding: 0px;\"> <\/span><span class=\"EOP SCXW66504818 BCX0\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>\nUpdates like this are usually not a problem to make. Don&rsquo;t tackle a home improvement project that drops the value, though. This could be a problem for your lender. &nbsp;<\/p>\n<p>Keep your <a href=\"https:\/\/www.panamsaves.com\/homeowners\/insurance_quote.aspx\">home insurance<\/a> agent informed. Communication like this ensures your policy accurately reflects your need. If you need to make a claim later, you don&rsquo;t have to worry. &nbsp;<\/p>\n<p>It&rsquo;s a good time to review your policy. If you have not done so, consider recent home improvement projects.&nbsp;&nbsp;<br \/>\n<strong><br \/>\nDo I Need a New Home Insurance Policy for a New Home?&nbsp;<\/strong><\/p>\n<p>If you are moving from your residence, contact your <a href=\"https:\/\/www.panamsaves.com\/homeowners\/insurance_quote.aspx\">home insurance<\/a> agent before you do. You cannot typically transfer a single <a href=\"https:\/\/www.panamsaves.com\/homeowners\/insurance_quote.aspx\">home insurance policy<\/a> as every home and its value is different, but you may be able to keep your same insurer. If you are moving to an area where your insurer offers coverage, you may be able to purchase a policy through them without going to a new insurance agent.&nbsp;<\/p>\n<p>There are several key things to discuss. &nbsp;<\/p>\n<div class=\"SCXW69618705 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<div class=\"ListContainerWrapper SCXW69618705 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<ol class=\"NumberListStyle1 SCXW69618705 BCX0\" role=\"list\" style=\"margin: 0px; padding: 0px;\">\n<li data-leveltext=\"%1.\" data-font=\"Calibri\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW69618705\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\">\n<p class=\"Paragraph SCXW69618705 BCX0\" paraid=\"1888796435\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{161}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW69618705 BCX0\" style=\"margin: 0px; padding: 0px;\">Discuss the terms to&nbsp;<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW69618705 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2 SCXW69618705 BCX0\" data-ccp-charstyle=\"normaltextrun\" style=\"margin: 0px; padding: 0px; border-bottom: 1px solid transparent;\">canceling<\/span><\/span><span data-contrast=\"auto\" class=\"TextRun SCXW69618705 BCX0\" style=\"margin: 0px; padding: 0px;\">&nbsp;your existing policy.&nbsp;<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW69618705 BCX0\" style=\"margin: 0px; padding: 0px;\">Don&#8217;t<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW69618705 BCX0\" style=\"margin: 0px; padding: 0px;\">&nbsp;cancel the policy until after you are fully moved from your old home. Also make you have transferred all deeds and ownership documents to the new owner. Most of the time, you will need to make a partial payment or receive a reimbursement for time not spent in the home.<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW69618705 BCX0\" style=\"margin: 0px; padding: 0px;\"> <\/span><span class=\"EOP SCXW69618705 BCX0\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\" style=\"margin: 0px; padding: 0px;\"><\/span><\/p>\n<\/li>\n<li data-leveltext=\"%1.\" data-font=\"Calibri\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW69618705\" style=\"margin: 0px 0px 0px 72px; padding: 0px;\">\n<p class=\"Paragraph SCXW69618705 BCX0\" paraid=\"1888796435\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{161}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span class=\"EOP SCXW69618705 BCX0\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW69618705 BCX0\" style=\"background-color: transparent; font-size: 12pt; margin: 0px; padding: 0px; color: windowtext;\">Talk about losses after you move.&nbsp;<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW69618705 BCX0\" style=\"background-color: transparent; font-size: 12pt; margin: 0px; padding: 0px; color: windowtext;\">Let&rsquo;s<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW69618705 BCX0\" style=\"background-color: transparent; font-size: 12pt; margin: 0px; padding: 0px; color: windowtext;\">&nbsp;say you move out, but someone who visited your home a month prior files a claim for an injury. Your home insurance policy may be no longer in place. Most policies will cover you in claims like this for a specific amount of time even after your leave. Be sure your policy offers that type of protection.<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW69618705 BCX0\" style=\"background-color: transparent; font-size: 12pt; margin: 0px; padding: 0px; color: windowtext;\"> <\/span><span class=\"EOP SCXW69618705 BCX0\" data-ccp-props=\"{'134233117':true,'134233118':true,'201341983':0,'335559685':1080,'335559731':0,'335559740':240}\" style=\"background-color: transparent; font-size: 12pt; margin: 0px; padding: 0px; color: windowtext;\"><\/span><\/p>\n<\/li>\n<\/ol>\n<\/div>\n<\/div>\n<p>\n<strong>Will My Home Insurance Premiums Go Up After Updates?&nbsp;<\/strong><\/p>\n<p>If the value of your <a href=\"https:\/\/www.panamsaves.com\/homeowners\/insurance_quote.aspx\">home insurance<\/a> goes up, so may your <a href=\"https:\/\/www.panamsaves.com\/homeowners\/insurance_quote.aspx\">home insurance<\/a> premiums. This is because the amount of coverage you will need also goes up. There are other factors affecting the cost of your <a href=\"https:\/\/www.panamsaves.com\/homeowners\/insurance_quote.aspx\">home insurance premiums<\/a>, however, including:&nbsp;<\/p>\n<div class=\"SCXW188305645 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<div class=\"ListContainerWrapper SCXW188305645 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<ul class=\"BulletListStyle1 SCXW188305645 BCX0\" role=\"list\" style=\"margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW188305645\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW188305645 BCX0\" paraid=\"853834674\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{201}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW188305645 BCX0\" style=\"margin: 0px; padding: 0px;\">Location<\/span><span class=\"EOP SCXW188305645 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW188305645\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW188305645 BCX0\" paraid=\"370163369\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{206}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW188305645 BCX0\" style=\"margin: 0px; padding: 0px;\">Claims&nbsp;<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW188305645 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2 SCXW188305645 BCX0\" style=\"margin: 0px; padding: 0px; border-bottom: 1px solid transparent;\">history<\/span><\/span><span class=\"EOP SCXW188305645 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"SCXW188305645 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<div class=\"ListContainerWrapper SCXW188305645 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<ul class=\"BulletListStyle1 SCXW188305645 BCX0\" role=\"list\" style=\"margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW188305645\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW188305645 BCX0\" paraid=\"336853066\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{213}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW188305645 BCX0\" style=\"margin: 0px; padding: 0px;\">Credit score<\/span><span class=\"EOP SCXW188305645 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW188305645\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW188305645 BCX0\" paraid=\"153991321\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{218}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW188305645 BCX0\" style=\"margin: 0px; padding: 0px;\">Value of the home<\/span><span class=\"EOP SCXW188305645 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>\nIf your premiums go up after an accident or upgrades to your home, ask about other ways you can save money on your <a href=\"https:\/\/www.panamsaves.com\/homeowners\/insurance_quote.aspx\">home insurance policy<\/a>.&nbsp;&nbsp;<\/p>\n<p>You can actually save money on certain updates, as well. If you make safety upgrades, this can lower the likelihood of a claim which can save you money on <a href=\"https:\/\/www.panamsaves.com\/homeowners\/insurance_quote.aspx\">home insurance<\/a>. This includes upgrades to your roof and anti-burglary systems.&nbsp;&nbsp;<\/p>\n<p>There are several types of discounts available for homeowners including:&nbsp;<\/p>\n<div class=\"ListContainerWrapper SCXW95842459 BCX0\" style=\"margin: 0px; padding: 0px;\">\n<ul class=\"BulletListStyle1 SCXW95842459 BCX0\" role=\"list\" style=\"margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW95842459\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW95842459 BCX0\" paraid=\"1439671038\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{243}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW95842459 BCX0\" style=\"margin: 0px; padding: 0px;\">Bundling home and auto discounts<\/span><span class=\"EOP SCXW95842459 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW95842459\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW95842459 BCX0\" paraid=\"1542069163\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{248}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW95842459 BCX0\" style=\"margin: 0px; padding: 0px;\">New home discount<\/span><span class=\"EOP SCXW95842459 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"3\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW95842459\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW95842459 BCX0\" paraid=\"458334901\" paraeid=\"{c8c85b7b-7e72-4921-afa2-405b1ec0e071}{253}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"auto\" class=\"TextRun SCXW95842459 BCX0\" style=\"margin: 0px; padding: 0px;\">No claims&nbsp;<\/span><span data-contrast=\"auto\" class=\"TextRun SCXW95842459 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2 SCXW95842459 BCX0\" style=\"margin: 0px; padding: 0px; border-bottom: 1px solid transparent;\">discount<\/span><\/span><span class=\"EOP SCXW95842459 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you are making any changes to your home, it is important to make sure your home insurance policy reflects that change. Home insurance is calculated partially based on your home&rsquo;s total replacement cost value. This total replacement cost value is how much it would cost to completely rebuild your home after a disaster. When [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":941,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":null,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[41,64,65,44,40,66],"class_list":["post-940","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-coverage","tag-homeowners","tag-improvement","tag-insurance","tag-policy","tag-projects"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/posts\/940","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/comments?post=940"}],"version-history":[{"count":0,"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/posts\/940\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/media\/941"}],"wp:attachment":[{"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/media?parent=940"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/categories?post=940"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/tags?post=940"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}