How DIY Can Impact Your Homeowners Insurance

Whether you have your dream home or not in Catonsville, MD, it’s understandable that you might take the DIY approach in some instances. While this can save you money, it’s important to know how it will impact your homeowner’s insurance.

Electrical Problems

Electrical is tricky and it’s why there are licensed electricians. If you end up starting a fire in your home because of DIY electrical work, it might not be covered on home insurance. To find out more about what is and isn’t covered, it’s a good idea to talk with an agent at HBW Insurance Group.


Plumbing issues tend to be complicated as well. You don’t want to run into an issue where you cause more damage than what was already in place. Professional plumbers will be able to assess the problem and let you know what needs to be done.


Just as there are problems with DIY, there are also advantages. You can decide to install your own security system. If it’s monitored, you will also be able to save money on your insurance premiums because of taking an added safety precaution.


Building your own fence might be easier than you think. As to whether you decide on aluminum, PVC, or another material, it provides a barrier around your property. This also serves as a deterrent to potential crimes on your property.

Ultimately, it comes down to knowing what you’re doing and following the various rules and regulations. If you do work that requires a permit, you need to pull the permit to follow city code. If at any point you’re not sure what you’re doing, it’s best to work with a contractor in Catonsville, MD.

For more information about obtaining home insurance and how to get an affordable premium, contact us at HBW Insurance Group today.