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Adding onto the home will not make you rate increase by itself. However, you probably will have to increase the amount of coverage you have to reflect the increase in replacement cost. I would suggest that you contact your insurance agent and explain that you have added onto the home and ask them to see if you have enough coverage. If you do not have coverage equal to a certain percentage of the replacement cost you can be penalized on any claim in the future. This depends on what type of homeowner's policy you have and how much coverage you have. This is not something you want to find out after a kitchen fire.

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Q: Does adding a bedroom to your house cause homeowner's insurance rate to rise?
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