The only way an addition to your home will affect your homeowners insurance is if there is a negative feature to this addition. When you add an addition to your home usually it is for a growth in your family or expanding an existing room. Adding a sun room or den will not affect your homeowners insurance, because this is viewed as an improvement to the room. Adding an extra bathroom will improve your home’s value and therefore should not affect your insurance. But if you added a room to enclosed an in-ground pool then this would increase your homeowners insurance.

Pools are thought of in the insurance world as a attractive nuisance. We all love a good dip in the pool, although most of us can not afford a pool of our own. Now if there was a pool in the neighborhood then all of us would try to use it. An attractive nuisance means it would bring more changes of high risk exposure to the homeowners. Pools attract people and unfortunately some people can get hurt in pools.

Also if the addition to the home was to store items like guns that would increase your homeowners insurance. The high risk of guns in general in the home is not good, but to build an extra room for a large gun collection would cause additional danger for your home and possibly family. You run the risk of drawing thieves to your home. Also you will put anyone who will come into your home in danger, since everyone will not have the necessary training and safety rules in dealing with guns.

Adding an extra room for a new baby would not increase or negatively affect your homeowners insurance because this is would add extra value to your room. When you have more rooms and bathrooms in your house than you have a better chance of increasing the value of your home. So remember this before you add an addition to your home, first think will this improve my home? Will this make my home more attractive to potential buyers? And will this addition actually improve my family lives in anyway? So please think twice before you decide to add an addition to your home, because in some cases it could cost you more to insure.