How does building an ADU impact your insurance in Los Angeles, California?
I just finished building an ADU in my backyard, and now I’m wondering how it affects my homeowner’s insurance. I’ve heard some people had to upgrade their policies or pay more, but I’m not sure what’s standard in Los Angeles. For those who have an ADU, did you notice a big difference in insurance costs or coverage? Any tips on what to ask your insurance company before finishing construction?
Comments
When I added my ADU last year, I was surprised at how much my insurance needed updating. I contacted my provider early, explained the new structure, and they adjusted my policy to cover the additional dwelling. It did increase my premiums slightly, but it gave me peace of mind knowing both buildings are fully insured. I also checked with https://www.aduscale.com/about-us to get advice on how ADUs might affect insurance coverage specifically in Los Angeles, and it helped me avoid missing any requirements. My biggest tip is to not wait until the ADU is finished — speak with your insurance company during planning so you can factor any costs into your budget.