Have you renovated your home? Update your insurance: value, green equipment, solar panels, electrical risks. A simple update for complete protection.
Are you planning to renovate your home to make it energy-efficient, or have you just taken out a loan to finance energy-saving renovations? Insulation, heat pumps, solar panels, high-performance windows and doors… These improvements transform your home—and sometimes require adjustments to your mortgage insurance and homeowner's insurance policy. This article explains how to adjust your coverage, what benefits you can gain, and why it's essential to update your policy after eco-friendly renovations.
Understanding the impact of energy-efficient renovations on your insurance
Energy renovation improves the performance of the dwelling (energy performance certificate, energy savings, thermal comfort). This can change:
- The value of the property
- The equipment present (heat pump, photovoltaic panels)
- The level of insurable risks
- Obligations related to mortgage loans
An outdated insurance contract can lead to gaps in coverage , or even reduced compensation in the event of a claim if the work has not been declared.
Home loan insurance: what changes with an eco-friendly renovation
A renovated home can change the insured risk
Renovations can reduce some risks (heat loss, electrical installation refurbished), but introduce others:
- Risks associated with new electrical installations (heat pumps, solar panels)
- Risks associated with home automation
- Risks associated with advanced technical systems
The insurer needs an up-to-date declaration of the property to properly adjust the level of coverage, particularly for the premium linked to the home loan.
Update of the insured amount
An energy-efficient renovation can increase the reconstruction value of the property.
→ The insured amount must be adjusted to guarantee consistent compensation in the event of a major loss (fire, natural disaster).
Work Certification & Compliance
For some loans (eco-PTZ, MaPrimeRénov'…), certifications may be required.
Store properly:
- Invoices
- RGE certifications
- Technical specifications
These documents may be required by the insurer.
Home insurance: essential coverage after an eco-friendly renovation
Fire insurance & technical installations
Technical equipment (heat pump, double-flow ventilation system, solar panels) must be insured against:
- fire
- overvoltage
- breakdown
- electric shock
- hail (for solar panels)
Electrical Damage Warranty
Essential for renovations that include:
- photovoltaic panels
- home automation management
- thermodynamic water heater
- charging station
Civil liability insurance
If you have installed an electric charging station or equipment using outdoor or common areas, you may be held liable for any damage.
Solar panel and outdoor installation insurance
These facilities can be insured either:
- in a specific amendment
- in an extension of the home insurance contract
Expanded glass breakage
Useful if you are installing:
- high-performance bay windows
- insulated glass roofs
- triple-glazed windows
Why declare the work to your insurer?
To avoid underinsurance
If the value of the house increases and the insurer has not been informed, you risk:
- partial compensation
- a refusal to provide care
To benefit from suitable guarantees
Some insurers offer options specifically for renovated homes:
- green equipment guarantee
- solar panel extension
- enhanced electrical damage coverage
To adjust the premium (often more favorable)
A renovated, low-energy home can sometimes lead to:
- a more stable bonus
- a reduction in the surcharge linked to certain risks
- better management of housing risk
Mortgage loan: should borrower's insurance also be adapted?
In case of major works
If the work:
- increase the value of the property
- modify the risks
- require a recalculation of the amount covered
It may be useful to adjust the borrower's insurance.
In the event of a supplementary loan
Renegotiating or adding a loan for energy-efficient renovations may require:
- an update to the borrower's insurance
- an adjustment of the quota
- a recalculation of the premium
KT Assur&Bank can support these adjustments to ensure consistency and continuity of coverage.
Practical advice for choosing the right insurance after renovation
- Declare all your work (type, cost, energy impact).
- Keep your RGE certificates and invoices : essential in case of a claim.
- Request an estimate of the new reconstruction value .
- Check your electrical warranties (essential with green equipment).
- Cover your solar panels & heat pump via a dedicated extension.
- Insure your new high-performance glazing (extended glass breakage coverage).
- Check the borrower's insurance if a new loan has been added .
Conclusion
Renovating your home to make it more eco-friendly is an excellent investment. But to protect these renovations, your insurance also needs to evolve. Updating your home insurance, and sometimes your mortgage insurance, ensures comprehensive, consistent coverage tailored to your new low-energy lifestyle. KT Assur&Bank supports you through this transition by offering customized coverage options.