Home insurance is an invaluable form of protection for homeowners, from fires and injuries to collapsed roofs. When you decide to invest in improvements to your property, it could alter this invaluable policy in more ways than one. To help you avoid sudden spikes in your monthly premium, review these top five home insurance-altering renovations from Licking, MO's Texas County Mutual Insurance:

• New Roof: Replacing an old roof can possibly decrease your insurance rates because it prevents the possibility of a more expensive roofing problem in the future. If you’ve recently renovated your roof, let your insurance company know.
• New Pool: Insurance companies see pools as a homeowner liability because they create a potential risk for injury on your property. If you install one, expect to see your rates rise.
• More Space: Thinking about a home addition? Adding on to the square footage of your property automatically creates more real estate to insure. In this case, your rates will spike. 
• Kitchen & Bath Upgrades: Some renovations might not be covered under your policy and could cause your premium to change. If remodeling means adding elements that increase risk—such as a second oven in the kitchen—it may cause your rates to rise.
• Home Office: If you add a home office, expect a spike in your home insurance rates. While some office equipment is easily subject to damage, others—like paper shredders— pose safety hazards such as injury and fire.

Is your property protected by home insurance? Homeowners in the Licking, MO, area have trusted Texas County Mutual Insurance for their home, building, and farm insurance needs for over a century. To protect the assets that matter most, call these respected insurance experts at (573) 674-3125 today and set up a consultation. You can also visit the website to browse their insurance capabilities from the comfort of your home.