---
title: What to Know About Homeowners Insurance During Remodeling and Construction
description: It is vital that professional remodelers take the time to understand the intricacies of homeowners insurance before beginning any home remodeling or construction job to make sure they and their clients are covered and comfortable.
image: https://blog.ustoolandfastener.com/hubfs/tools-498202_1920-min.jpg
---

#### Welcome to US Tool & Fastener!

- [Sign in](https://www.ustoolandfastener.com/login.php) or [Register](https://www.ustoolandfastener.com/login.php?action=create_account)

[![US Tool & Fastener](https://blog.ustoolandfastener.com/hubfs/US_Tool_and_Fastener_July2018%20Header%20/Images/Logo.jfif "US Tool & Fastener")](https://www.ustoolandfastener.com/)

Search

[Wish Lists](https://www.ustoolandfastener.com/wishlist.php) [Cart](https://www.ustoolandfastener.com/cart.php)

##### [Free Ground Shipping](http://www.ustoolandfastener.com/shipping-returns/)

[On orders over $99 (excludes AK/HI)](http://www.ustoolandfastener.com/shipping-returns/)

##### Never Pay Sales Tax

Except on orders shipping to MA

##### [Be First To Know](http://www.ustoolandfastener.com/blog/angelguard-products-inc-of-worcester-ma-purchases-us-tool-fastener-of-holliston-ma/#newsletter)

[about product news & deals](http://www.ustoolandfastener.com/blog/angelguard-products-inc-of-worcester-ma-purchases-us-tool-fastener-of-holliston-ma/#newsletter)

- CATEGORIES 
    - [NEW FESTOOL](https://www.ustoolandfastener.com/new-festool/)
    - [On Sale & Promos](https://www.ustoolandfastener.com/on-sale-promos/)
    - [Abrasives](https://www.ustoolandfastener.com/abrasives/)
    - [Accessories](https://www.ustoolandfastener.com/accessories-2/)
    - [Bits and Blades](https://www.ustoolandfastener.com/bits-and-blades/)
    - [Fasteners](https://www.ustoolandfastener.com/fasteners/)
    - [Machinery](https://www.ustoolandfastener.com/machinery/)
    - [Tools](https://www.ustoolandfastener.com/tools-1/)
    - [Festool](https://www.ustoolandfastener.com/festool/)
    - [Kreg Tools](https://www.ustoolandfastener.com/kreg-tools/)
    - [Sjobergs Workbenches](https://www.ustoolandfastener.com/sjobergs-workbenches/)
    - [Gift Certificates](https://www.ustoolandfastener.com/giftcertificates.php)

- [SHOP FESTOOL PRODUCTS](https://www.ustoolandfastener.com/shop-festool-products/)
- [SHOP BY BRAND](https://www.ustoolandfastener.com/brands/)
- [ON SALE](https://www.ustoolandfastener.com/on-sale/)
- [USTF Blog](https://blog.ustoolandfastener.com/)

- [ON SALE!](http://www.ustoolandfastener.com/on-sale/) 
    - [All ON SALE!](http://www.ustoolandfastener.com/on-sale/)
    - [Kreg - On Sale](http://www.ustoolandfastener.com/kreg-on-sale/)
    - [Stabila Sale](http://www.ustoolandfastener.com/stabila-sale/)
    - [Takumi On Sale](http://www.ustoolandfastener.com/takumi-gifts/)
- [NEW FESTOOL](http://www.ustoolandfastener.com/new-festool/)
- [Festool](http://www.ustoolandfastener.com/festool/) 
    - [All Festool](http://www.ustoolandfastener.com/festool/)
    - [PACKAGE DEALS](http://www.ustoolandfastener.com/package-deals/)
    - [Dust Extraction](http://www.ustoolandfastener.com/dust-extraction/) 
          - [Festool Dust Extractors](http://www.ustoolandfastener.com/festool-dust-extractors/)
          - [Festool Dust Extractor Accessories](http://www.ustoolandfastener.com/festool-dust-extractor-accessories/)
          - [Shop by Model](http://www.ustoolandfastener.com/shop-by-model/)
          - [Festool Cleaning Sets](http://www.ustoolandfastener.com/festool-cleaning-sets/)
          - [Festool Filters & Bags](http://www.ustoolandfastener.com/festool-filters-bags/)
          - [Festool Hoses & Accessories](http://www.ustoolandfastener.com/festool-hoses-accessories/)
          - [Festool Workcenter](http://www.ustoolandfastener.com/festool-workcenter/)
          - [Festool Boom Arm](http://www.ustoolandfastener.com/festool-boom-arm/)
          - [Festool Compressed Air](http://www.ustoolandfastener.com/festool-compressed-air/)
    - [HK 55 Carpentry Saws](http://http://www.ustoolandfastener.com/hk-55-carpentry-saws/) 
          - [Cordless HKC 55 EBQ](http://www.ustoolandfastener.com/cordless-hkc-55/)
          - [Corded HK 55EQ](http://www.ustoolandfastener.com/corded-hk-55eq/)
          - [HK 55 Accessories](http://www.ustoolandfastener.com/hk-55-accessories/)
    - [Festool Plunge Saws](http://www.ustoolandfastener.com/festool-plunge-saws/) 
          - [All Plunge Saws](http://www.ustoolandfastener.com/all-plunge-saws/)
          - [Festool TS 55 Blades](http://www.ustoolandfastener.com/festool-ts-55-blades/)
          - [Festool TS 75 Blades](http://www.ustoolandfastener.com/festool-ts-75-blades/)
          - [Stops and Accessories](http://www.ustoolandfastener.com/stops-and-accessories/)
    - [Festool Cordless Saws](http://www.ustoolandfastener.com/festool-cordless-saws/) 
          - [HKC 55 EQ Carpentry Saw](http://www.ustoolandfastener.com/hkc-55-eq-carpentry-saw/)
          - [TSC 55 Cordless Track Saw](http://http://www.ustoolandfastener.com/tsc-55-cordless-track-saw/)
          - [Cordless Jigsaws](http://http://www.ustoolandfastener.com/cordless-jigsaws/)
          - [Batteries & Chargers](http://www.ustoolandfastener.com/batteries-chargers-1/)
    - [Festool MX 1200 Mixer](http://www.ustoolandfastener.com/festool-mx-1200-mixer/)
    - [Festool Cordless Drills](http://http://www.ustoolandfastener.com/cordless-drills/) 
          - [BHC 18 Rotary Hammerdrill & Acces.](http://www.ustoolandfastener.com/bhc-18-rotary-hammerdrill-acces/)
          - [DWC 18 Drywall Gun & Access.](http://www.ustoolandfastener.com/dwc-18-drywall-gun-access/)
          - [PDC 18v Quadrive Hammerdrill](http://http://www.ustoolandfastener.com/pdc-18v-quadrive-hammerdrill-1/)
          - [CXS Cordless Drills](http://http://www.ustoolandfastener.com/cxs-cordless-drills-1/)
          - [TXS Cordless Drills](http://www.ustoolandfastener.com/txs-cordless-drills-1/)
          - [Festool C Drills 18V](http://www.ustoolandfastener.com/festool-c-drills/)
          - [Festool T Drills 18V](http://www.ustoolandfastener.com/accessories-1/)
          - [Accessories](http://www.ustoolandfastener.com/accessories-1/)
          - [Batteries & Chargers](http://www.ustoolandfastener.com/batteries-chargers/)
          - [Specialty Bit & Driver Sets](http://www.ustoolandfastener.com/specialty-bit-driver-sets/)
    - [Festool Domino](http://www.ustoolandfastener.com/festool-domino/) 
          - [All Dominos](http://www.ustoolandfastener.com/all-dominos/)
          - [Domino 500 Accessories](http://www.ustoolandfastener.com/domino-500-accessories/)
          - [Domino XL Accessories](http://www.ustoolandfastener.com/domino-xl-accessories/)
    - [Festool Edge Banding](http://www.ustoolandfastener.com/festool-edge-banding/) 
          - [Conturo Edgebanding Tools](http://www.ustoolandfastener.com/conturo-edgebanding-tools/)
          - [Festool Conturo Accessories](http://www.ustoolandfastener.com/festool-conturo-accessories/)
          - [Festool Conturo Adhesive](http://www.ustoolandfastener.com/festool-conturo-adhesive/)
          - [MFK 700 EQ Edge Router](http://www.ustoolandfastener.com/mfk-700-eq-edge-router/)
          - [MFT/3 Conturo Table](http://www.ustoolandfastener.com/mft-3-conturo-table/)
    - [Festool Guide Rails](http://www.ustoolandfastener.com/festool-guide-rails/) 
          - [All Guide Rails](http://www.ustoolandfastener.com/all-guide-rails/)
          - [Festool Gecko](http://www.ustoolandfastener.com/festool-gecko/)
          - [Festool Guide Rail Splinterguards](http://www.ustoolandfastener.com/festool-guide-rail-splinterguards/)
          - [Festool Guide Rail Stops](http://www.ustoolandfastener.com/festool-guide-rail-stops/)
          - [Festool Guide Rail Stops](http://www.ustoolandfastener.com/festool-guide-rail-stops/)
          - [Festool Parallel Guide](http://www.ustoolandfastener.com/festool-parallel-guide/)
          - [Guide Rail Kits and Other Accessories](http://www.ustoolandfastener.com/guide-rail-kits-and-other-accessories/)
    - [Festool Jigsaws](http://www.ustoolandfastener.com/festool-jigsaws/) 
          - [Carvex Jigsaws](http://http://www.ustoolandfastener.com/carvex-jigsaws/)
          - [Carvex Accessories](http://www.ustoolandfastener.com/carvex-accessories/)
          - [Trion Jigsaws](http://www.ustoolandfastener.com/trion-jigsaws/)
          - [Trion Accessories](http://www.ustoolandfastener.com/trion-accessories/)
          - [Jigsaw Blades](http://www.ustoolandfastener.com/jigsaw-blades/)
    - [Festool Kapex](http://www.ustoolandfastener.com/festool-kapex/) 
          - [Kapex KS 120](http://www.ustoolandfastener.com/kapex-ks-120/)
          - [Kapex UG Mobile Cart](http://www.ustoolandfastener.com/kapex-ug-mobile-cart/)
          - [Kapex Accessories](http://www.ustoolandfastener.com/kapex-accessories/)
          - [Kapex Blades](http://www.ustoolandfastener.com/kapex-blades/)
    - [Festool Vecturo](http://http://www.ustoolandfastener.com/festool-vecturo/) 
          - [Vecturo Kits](http://http://www.ustoolandfastener.com/vecturo-kits/)
          - [Vecturo Accessories](http://www.ustoolandfastener.com/vecturo-accessories/)
          - [Vecturo Metal Cutting Blades](http://www.ustoolandfastener.com/vecturo-metal-cutting-blades/)
          - [Vecturo Specialty Blades](http://www.ustoolandfastener.com/vecturo-specialty-blades/)
          - [Vecturo Universal Blades](http://www.ustoolandfastener.com/vecturo-universal-blades/)
          - [Vecturo Wood Cutting Blades](http://www.ustoolandfastener.com/vecturo-wood-cutting-blades/)
    - [Festool Planers](http://www.ustoolandfastener.com/festool-planers/) 
          - [HL 850 Planer](http://www.ustoolandfastener.com/hl-850-planer/)
          - [Other Accessories](http://www.ustoolandfastener.com/other-accessories-1/)
          - [Planer Blades](http://www.ustoolandfastener.com/planer-blades/)
          - [Planer Heads](http://www.ustoolandfastener.com/planer-heads/)
    - [Festool Routers/CMS Tables](http://www.ustoolandfastener.com/festool-routers-cms-tables/) 
          - [CMS Routing System](http://www.ustoolandfastener.com/cms-routing-system/)
          - [Routers](http://www.ustoolandfastener.com/routers/)
          - [Clamping Collets](http://www.ustoolandfastener.com/clamping-collets/)
          - [Edge Guide, Stops & Circles](http://www.ustoolandfastener.com/edge-guide-stops-circles/)
          - [Edge Trimming](http://www.ustoolandfastener.com/edge-trimming/)
          - [Festool LR 32 Hole Drilling System](http://www.ustoolandfastener.com/festool-lr-32-hole-drilling-system/)
          - [MFS Template System](http://http://www.ustoolandfastener.com/mfs-template-system/)
          - [Other Accessories](http://www.ustoolandfastener.com/other-accessories/)
          - [Router Bits](http://www.ustoolandfastener.com/router-bits/)
          - [Template Guides, Imperial](http://www.ustoolandfastener.com/template-guides-imperial/)
          - [Template Guides, Metric](http://www.ustoolandfastener.com/template-guides-metric/)
          - [VS 600 Jointing System](http://www.ustoolandfastener.com/vs-600-jointing-system/)
          - [Shop Accessories by Festool](http://www.ustoolandfastener.com/shop-accessories-by-festool/)
          - [Shop Accessories by Model](http://www.ustoolandfastener.com/shop-accessories-by-model-1/)
    - [Festool Sanders](http://www.ustoolandfastener.com/festool-sanders/) 
          - [Random Orbital Sanders](http://www.ustoolandfastener.com/random-orbital-sanders/)
          - [Rotex & Rotary Sanders](http://www.ustoolandfastener.com/rotex-rotary-sanders/)
          - [Festool Orbital Sanders](http://www.ustoolandfastener.com/festool-orbital-sanders/)
          - [Festool Planex Drywall Sander](http://www.ustoolandfastener.com/festool-drywall-sander/)
          - [Festool Specialty Sanders](http://www.ustoolandfastener.com/festool-specialty-sanders/)
          - [Festool Shinex Polisher](http://www.ustoolandfastener.com/festool-shinex-polisher/)
          - [Festool Air Sanders](http://www.ustoolandfastener.com/festool-air-sanders/)
          - [Festool Sanding Pads](http://www.ustoolandfastener.com/festool-sanding-pads/)
          - [Festool Hand Sanders](http://www.ustoolandfastener.com/festool-hand-sanders/)
          - [Accessories by Model](http://www.ustoolandfastener.com/accessories-by-model/)
    - [Festool Granat Hand Sanding](http://www.ustoolandfastener.com/festool-granat-hand-sanding/) 
          - [Festool Abrasive Roll 4-1/2" x 82'](http://www.ustoolandfastener.com/festool-abrasive-roll-4-1-2-x-82/)
          - [Festool Abrasive Sanding Blocks](http://www.ustoolandfastener.com/festool-abrasive-sanding-blocks/)
          - [Festool Granat 9" x 11" Sheet paper](http://www.ustoolandfastener.com/festool-granat-9-x-11-sheet-paper/)
          - [Granat Sanding Sponges](http://www.ustoolandfastener.com/granat-sanding-sponges/)
          - [Vlies Hand Sanding](http://www.ustoolandfastener.com/vlies-hand-sanding/)
    - [Festool Abrasives](http://www.ustoolandfastener.com/festool-abrasives/) 
          - [Abrasive Shop Rolls](http://www.ustoolandfastener.com/abrasive-shop-rolls/)
          - [Abrasives Systainers](http://www.ustoolandfastener.com/abrasives-systainers/)
          - [Deltex 93 Abrasives](http://www.ustoolandfastener.com/deltex-93-abrasives/)
          - [DTS 400 Abrasives](http://www.ustoolandfastener.com/dts-400-abrasives/)
          - [ETS 125 Abrasives](http://www.ustoolandfastener.com/ets-125-abrasives/)
          - [ETS 150 Abrasives](http://www.ustoolandfastener.com/ets-150-abrasives/)
          - [LEX 2 150 Abrasives](http://www.ustoolandfastener.com/lex-2-150-abrasives/)
          - [LEX 2 185/7 Abrasives](http://www.ustoolandfastener.com/lex-2-185-7-abrasives/)
          - [LS 130 Abrasives](http://www.ustoolandfastener.com/ls-130-abrasives/)
          - [Planex Abrasives](http://www.ustoolandfastener.com/planex-abrasives/)
          - [RAS 115.04 Abrasives](http://www.ustoolandfastener.com/ras-115-04-abrasives/)
          - [RO 90 Abrasives](http://www.ustoolandfastener.com/ro-90-abrasives/)
          - [RO 125 Abrasives](http://www.ustoolandfastener.com/ro-125-abrasives/)
          - [RO 150 Abrasives](http://www.ustoolandfastener.com/ro-150-abrasives/)
          - [RS 2 Abrasives](http://www.ustoolandfastener.com/rs-2-abrasives/)
          - [RTS 400 Abrasives](http://www.ustoolandfastener.com/rts-400-abrasives/)
    - [Festool Surfix](http://www.ustoolandfastener.com/festool-surfix/)
    - [Multifunction Table](http://www.ustoolandfastener.com/multifunction-table/) 
          - [MFT Tables](http://www.ustoolandfastener.com/mft-tables/)
          - [Festool MFT Accessories](http://http://www.ustoolandfastener.com/festool-mft-accessories/)
          - [Festool MFT Clamps](http://www.ustoolandfastener.com/festool-mft-clamps/)
    - [Festool VAC SYS](http://www.ustoolandfastener.com/festool-vac-sys/)
    - [Festool Storage](http://www.ustoolandfastener.com/festool-storage/) 
          - [Empty Systainers](http://www.ustoolandfastener.com/empty-systainers/)
          - [Abrasive Systainers](http://www.ustoolandfastener.com/abrasive-systainers/)
          - [Universal Systainers](http://http://www.ustoolandfastener.com/universal-systainers/)
          - [Systainer Accessories](http://www.ustoolandfastener.com/systainer-accessories/)
          - [Systainer Foam Inserts](http://www.ustoolandfastener.com/systainer-foam-inserts/)
          - [Sortainer](http://www.ustoolandfastener.com/sortainer/)
          - [Sortainer Accessories](http://www.ustoolandfastener.com/sortainer-accessories/)
          - [Systainer Port & Cart](http://http://www.ustoolandfastener.com/systainer-port-cart/)
          - [Shop Accessories by Model](http://www.ustoolandfastener.com/shop-accessories-by-model/)
    - [Festool Lighting & Specialty](http://www.ustoolandfastener.com/festool-lighting-specialty/)
    - [Festool Gear](http://www.ustoolandfastener.com/festool-gear/)
    - [Festool Aftermarket](http://www.ustoolandfastener.com/festool-aftermarket/)
- [Angel Guard Products](http://www.ustoolandfastener.com/angel-guard-products/)
- [Amana Tool](http://www.ustoolandfastener.com/amana-tool/) 
    - [All Amana Tool](http://www.ustoolandfastener.com/amana-tool/)
    - [Straight Plunge](http://www.ustoolandfastener.com/straight-plunge/) 
          - [Straight Plunge, 2 Flute, 1/4" Shank](http://www.ustoolandfastener.com/straight-plunge-2-flute-1-4-shank/)
          - [Straight Plunge, 2 Flute, 1/2" Shank](http://www.ustoolandfastener.com/straight-plunge-2-flute-1-2-shank/)
    - [Trimming & Beveling](http://www.ustoolandfastener.com/trimming-beveling/) 
          - [Flush Trim Plunge Template w/ Upper Ball Bearing](http://www.ustoolandfastener.com/flush-trim-plunge-template-w-upper-ball-bearing/)
          - [Flush Trim w/ Lower Ball Bearing](http://http://www.ustoolandfastener.com/flush-trim-w-ball-bearing-guide/)
          - [Dado Clean-Out](http://http://www.ustoolandfastener.com/dado-clean-out/)
          - [No-File w/ Lower Ball Bearing Guide](http://http://www.ustoolandfastener.com/no-file-w-lower-ball-bearing-guide/)
    - [Grooving Router Bits](http://www.ustoolandfastener.com/grooving/) 
          - ['V' Groove](http://www.ustoolandfastener.com/v-groove/)
          - [Core Box](http://http://www.ustoolandfastener.com/core-box/)
          - [Keyholes](http://www.ustoolandfastener.com/keyholes/)
    - [Profiling Bits](http://www.ustoolandfastener.com/profiling-bits/) 
          - [Chamfer](http://www.ustoolandfastener.com/chamfer/)
          - [Corner Round](http://www.ustoolandfastener.com/corner-round/)
          - [Classical Bead & Cove](http://www.ustoolandfastener.com/classical-bead-cove/)
          - [Cove](http://www.ustoolandfastener.com/cove/)
          - [Dovetail](http://www.ustoolandfastener.com/dovetail/)
          - [Roman Ogee](http://www.ustoolandfastener.com/roman-ogee/)
          - [Rabbetting Bits](http://www.ustoolandfastener.com/rabbetting-bits/)
    - [Router Bit Sets](http://http://www.ustoolandfastener.com/router-bit-sets/)
- [Collins Tool](http://http://www.ustoolandfastener.com/collins-tool/)
- [GRK Fasteners](http://http://www.ustoolandfastener.com/grk-fasteners/) 
    - [All GRK Fasteners](http://www.ustoolandfastener.com/grk-fasteners/)
    - [GRK Bits](http://www.ustoolandfastener.com/grk-bits/) 
          - [Top Star Crown Bits](http://www.ustoolandfastener.com/top-star-crown-bits/)
          - [T-10](http://www.ustoolandfastener.com/t-10/)
          - [T-15](http://www.ustoolandfastener.com/t-15/)
          - [T-20](http://www.ustoolandfastener.com/t-20/)
          - [T-25](http://www.ustoolandfastener.com/t-25/)
          - [T-30](http://www.ustoolandfastener.com/t-30/)
          - [T-40](http://http://www.ustoolandfastener.com/t-40/)
    - [GRK Caliburn Concrete Screws](http://www.ustoolandfastener.com/grk-caliburn-concrete-screws/) 
          - [GRK Caliburn Flathead Concrete Screws](http://www.ustoolandfastener.com/grk-caliburn-flathead-concrete-screws/)
          - [GRK Caliburn Panhead Concrete Screws](http://www.ustoolandfastener.com/grk-caliburn-panhead-concrete-screws/)
          - [GRK Caliburn XL Concrete Screws](http://www.ustoolandfastener.com/grk-caliburn-xl-concrete-screws/)
    - [GRK FIN TRIM](http://http://www.ustoolandfastener.com/grk-fin-trim/) 
          - [FIN TRIM Bulk Box](http://www.ustoolandfastener.com/fin-trim-bulk-box/)
          - [FIN TRIM Handy-Pak](http://www.ustoolandfastener.com/fin-trim-handy-pak/)
          - [FIN TRIM Trim Pro-Pak](http://www.ustoolandfastener.com/fin-trim-trim-pro-pak-1/)
          - [White FIN TRIM](http://www.ustoolandfastener.com/white-fin-trim/)
          - [PHEINOX FIN TRIM Stainless Steel](http://www.ustoolandfastener.com/pheinox-fin-trim-stainless-steel/)
    - [GRK Low Profile Cabinet Screws](http://www.ustoolandfastener.com/grk-low-profile-cabinet-screws/) 
          - [Cabinet Bulk Box](http://http://www.ustoolandfastener.com/cabinet-bulk-box-1/)
          - [Cabinet Handy-Pak](http://www.ustoolandfastener.com/cabinet-handy-pak-1/)
          - [Cabinet Pro-Pak](http://www.ustoolandfastener.com/cabinet-pro-pak-1/)
          - [PHEINOX Cabinet Stainless Steel](http://www.ustoolandfastener.com/pheinox-cabinet-stainless-steel-1/)
          - [WHITE Low Profile Cabinet Screws](http://www.ustoolandfastener.com/white-low-profile-cabinet-screws-1/)
    - [GRK R4 Multi Purpose Framing Screws](http://www.ustoolandfastener.com/grk-r4-multi-purpose-framing-screws/) 
          - [R4 Bulk Box](http://http://www.ustoolandfastener.com/r4-bulk-box/)
          - [R4 Handy-Pak](http://www.ustoolandfastener.com/r4-handy-pak/)
          - [R4 Pro-Pak](http://www.ustoolandfastener.com/r4-pro-pak/)
          - [PHEINOX R4 Stainless Steel](http://www.ustoolandfastener.com/pheinox-r4-stainless-steel/)
    - [GRK RSS Structural Screws](http://www.ustoolandfastener.com/grk-rss-structural-screws/) 
          - [RSS Mini Handy-Pak](http://www.ustoolandfastener.com/rss-mini-handy-pak/)
          - [RSS Handy-Pak](http://www.ustoolandfastener.com/rss-handy-pak/)
          - [RSS Bulk Box](http://www.ustoolandfastener.com/rss-bulk-box/)
          - [PHEINOX RSS Stainless Steel](http://www.ustoolandfastener.com/pheinox-rss-stainless-steel/)
          - [RSS JTS Joist & Truss Screws](http://www.ustoolandfastener.com/rss-jts-joist-truss-screws/)
    - [GRK RT Composite Trim Screws](http://www.ustoolandfastener.com/grk-rt-composite-trim-screws/) 
          - [RT Composite Trim Screw](http://www.ustoolandfastener.com/rt-composite-trim-screw/)
          - [PHEINOX RT Stainless Steel](http://www.ustoolandfastener.com/pheinox-rt-stainless-steel/)
          - [RT WHITE Composite Screws](http://http://www.ustoolandfastener.com/rt-white-composite-screws/)
    - [GRK MSS Metal Siding Screws](http://www.ustoolandfastener.com/grk-mss-metal-siding-screws/)
    - [GRK Kameleon Composite Deck Screws](http://http://www.ustoolandfastener.com/grk-kameleon-composite-deck-screws/) 
          - [Brown Deck Screws](http://www.ustoolandfastener.com/brown-deck-screws/)
          - [Grey Deck Screws](http://www.ustoolandfastener.com/grey-deck-screws/)
          - [Redwood Deck Screws](http://http://www.ustoolandfastener.com/redwood-deck-screws/)
          - [Tan Deck Screws](http://www.ustoolandfastener.com/tan-deck-screws/)
    - [GRK Top Star Adjustable Shim Screws](http://http://www.ustoolandfastener.com/grk-top-star-adjustable-shim-screws/)
    - [GRK VWS Vinyl Window Screws](http://www.ustoolandfastener.com/grk-vws-vinyl-window-screws/)
- [Kreg Tools](http://http://www.ustoolandfastener.com/kreg-tools/) 
    - [All Kreg Tools](http://www.ustoolandfastener.com/kreg-tools/)
    - [Kreg Pocket Hole Jigs](http://www.ustoolandfastener.com/kreg-pocket-hole-jigs/)
    - [Kreg Bundles](http://www.ustoolandfastener.com/kreg-bundles/)
    - [Kreg Clamps](http://www.ustoolandfastener.com/kreg-clamps/) 
          - [Kreg Automaxx Clamps](http://www.ustoolandfastener.com/kreg-automaxx-clamps/)
          - [Kreg Bench Klamp System & Accessories](http://www.ustoolandfastener.com/kreg-bench-klamp-system-accessories/)
          - [Kreg Corner Clamps](http://www.ustoolandfastener.com/kreg-corner-clamps/)
          - [Kreg Face Clamps (Classic & Automaxx)](http://www.ustoolandfastener.com/kreg-face-clamps-classic-automaxx/)
          - [Kreg Bar Clamps](http://http://www.ustoolandfastener.com/kreg-bar-clamps/)
    - [Kreg Storage & Organization](http://www.ustoolandfastener.com/kreg-storage-organization/)
    - [Kreg Cutting & Measuring Tools](http://www.ustoolandfastener.com/kreg-cutting-measuring-tools/)
    - [Kreg Drill Bits](http://www.ustoolandfastener.com/kreg-drill-bits/)
    - [Kreg Drivers](http://www.ustoolandfastener.com/kreg-drivers/)
    - [Kreg Deck Jig and Accessories](http://www.ustoolandfastener.com/kreg-deck-jig-and-accessories/)
    - [Kreg Pocket Hole Machinery](http://www.ustoolandfastener.com/kreg-pocket-hole-machinery/) 
          - [Pocket Hole Machines](http://www.ustoolandfastener.com/pocket-hole-machines/)
          - [Kreg Machinery Replacement Bits](http://www.ustoolandfastener.com/kreg-replacement-bits/)
          - [Kreg Machinery Parts](http://www.ustoolandfastener.com/kreg-machinery-parts/)
    - [Kreg Pocket Hole Plugs](http://www.ustoolandfastener.com/kreg-pocket-hole-plugs/) 
          - [Wood Plugs](http://www.ustoolandfastener.com/wood-plugs/)
          - [Plastic Plugs](http://www.ustoolandfastener.com/plastic-plugs/)
    - [Kreg Pocket Hole Screws](http://www.ustoolandfastener.com/kreg-pocket-hole-screws/) 
          - [Kreg Screw Kits](http://www.ustoolandfastener.com/kreg-screw-kits/)
          - [Kreg Blue Kote Weather Resistant](http://www.ustoolandfastener.com/kreg-blue-kote-weather-resistant/)
          - [Kreg Heavy Duty](http://www.ustoolandfastener.com/kreg-heavy-duty/)
          - [Kreg Stainless Screws](http://www.ustoolandfastener.com/kreg-stainless-pocket-hole-screws/)
          - [Kreg Zinc Maxi-Loc Coarse](http://www.ustoolandfastener.com/kreg-zinc-maxi-loc-coarse-thread/)
          - [Kreg Zinc Maxi-Loc Fine](http://www.ustoolandfastener.com/kreg-zinc-maxi-loc-fine/)
          - [Kreg Zinc Maxi-Loc Hi-Lo](http://www.ustoolandfastener.com/kreg-zinc-maxi-loc-hi-lo/)
          - [Kreg Zinc Pan Head Coarse](http://http://www.ustoolandfastener.com/kreg-zinc-pan-head-coarse/)
          - [Kreg Zinc Pan Head Fine](http://www.ustoolandfastener.com/kreg-zinc-pan-head-fine/)
    - [Kreg Precision Accessories](http://www.ustoolandfastener.com/kreg-jig-fixture-accessories/)
    - [Kreg Routing Systems](http://www.ustoolandfastener.com/kreg-precision-routing-systems-and-accessories/) 
          - [Kreg Router Tables](http://www.ustoolandfastener.com/kreg-router-tables/)
          - [Kreg Router Table Lift & Inserts](http://www.ustoolandfastener.com/kreg-router-table-lift-inserts/)
          - [Kreg Router Table Accessories](http://www.ustoolandfastener.com/kreg-router-table-accessories/)
    - [Kreg Hardware Installation Solutions](http://www.ustoolandfastener.com/kreg-hardware-installation-solutions/)
    - [Kreg Universal Bench System](http://www.ustoolandfastener.com/kreg-universal-bench-system/)
- [PICA Markers](http://http://www.ustoolandfastener.com/pica-markers/)
- [Stabila](http://www.ustoolandfastener.com/stabila/) 
    - [All Stabila](http://www.ustoolandfastener.com/stabila/)
    - [Stabila On Sale](http://www.ustoolandfastener.com/stabila-on-sale/)
    - [NEW STABILA ITEMS](http://www.ustoolandfastener.com/new-stabila-items/)
    - [Stabila Lasers](http://www.ustoolandfastener.com/stabila-lasers/) 
          - [Stabila Laser Levels](http://www.ustoolandfastener.com/stabila-laser-levels/)
          - [Stabila Laser Measures](http://www.ustoolandfastener.com/stabila-laser-measures/)
          - [Stabila Receivers](http://www.ustoolandfastener.com/stabila-receivers/)
          - [Stabila Tripods](http://http://www.ustoolandfastener.com/stabila-tripods/)
          - [Stabila Laser Accessories](http://www.ustoolandfastener.com/stabila-laser-accessories/)
    - [Stabila Level Sets](http://http://www.ustoolandfastener.com/stabila-level-sets/)
    - [Stabila Spirit Levels](http://www.ustoolandfastener.com/stabila-spirit-levels/) 
          - [Stabila Model 196 Levels](http://http://www.ustoolandfastener.com/stabila-model-196-levels/)
          - [Stabila R-Beam Levels](http://www.ustoolandfastener.com/stabila-r-beam-levels/)
          - [Stabila Lights Levels](http://www.ustoolandfastener.com/stabila-lights-levels/)
          - [Stabila Measuring Stick](http://www.ustoolandfastener.com/stabila-measuring-stick/)
          - [Stabila Model 70A-2 Level](http://www.ustoolandfastener.com/stabila-model-70a-2-level/)
          - [Stabila Model 80A-2 Levels (Non-Magnetic)](http://http://www.ustoolandfastener.com/stabila-model-80a-2-levels-non-magnetic/)
    - [Stabila Magnetic Levels](http://www.ustoolandfastener.com/stabila-magnetic-levels/) 
          - [Stabila Model 96M Levels (Magnetic)](http://http://www.ustoolandfastener.com/stabila-model-96m-levels-magnetic/)
          - [Stabila Model 80A-2 Level (Magnetic)](http://http://www.ustoolandfastener.com/stabila-model-80a-2-level-magnetic/)
          - [Stabila Magnetic Plate Levels](http://www.ustoolandfastener.com/stabila-magnetic-plate-levels/)
          - [Stabila Magnetic Pocket Levels](http://http://www.ustoolandfastener.com/stabila-magnetic-pocket-levels/)
          - [Stabila Magnetic Tech Levels](http://www.ustoolandfastener.com/stabila-magnetic-tech-levels/)
          - [Stabila Magnetic Torpedo Levels](http://http://www.ustoolandfastener.com/stabila-magnetic-torpedo-levels/)
    - [Stabila Electronic TECH Levels](http://www.ustoolandfastener.com/stabila-electronic-tech-levels/)
    - [Stabila Masons Levels](http://www.ustoolandfastener.com/stabila-masons-levels/)
    - [Stabila Pocket Levels](http://www.ustoolandfastener.com/stabila-pocket-levels/)
    - [Stabila Torpedo Levels](http://www.ustoolandfastener.com/stabila-torpedo-levels/)
    - [Stabila Plate Levels](http://http://www.ustoolandfastener.com/stabila-plate-levels/)
    - [Stabila XtL Levels](http://www.ustoolandfastener.com/stabila-xtl-levels/)
    - [Stabila Folding Rulers & Tape Measures](http://www.ustoolandfastener.com/stabila-folding-rulers-tape-measures/)
    - [Stabila Level Accessories](http://www.ustoolandfastener.com/stabila-level-accessories/) 
          - [Stabila Level Carrying Cases](http://http://www.ustoolandfastener.com/stabila-level-carrying-cases/)
          - [Stabila Level Replacement Endcaps](http://www.ustoolandfastener.com/stabila-level-replacement-endcaps/)
          - [Stabila Plate Level Accessories](http://www.ustoolandfastener.com/stabila-plate-level-accessories/)
          - [Stabila Replacement Light Kit](http://www.ustoolandfastener.com/stabila-replacement-light-kit/)
- [TSO Products](http://www.ustoolandfastener.com/tso-products/)
- [Takumi Hand Saws](http://http://www.ustoolandfastener.com/takumi-hand-saws/)
- [Tenryu](http://www.ustoolandfastener.com/tenryu/) 
    - [All Tenryu](http://http://www.ustoolandfastener.com/tenryu/)
    - [Gold Medal Dado Set](http://www.ustoolandfastener.com/gold-medal-dado-set/)
    - [TS 55 Blades](http://www.ustoolandfastener.com/ts-55-blades/)
    - [TS 75 Blades](http://http://www.ustoolandfastener.com/ts-75-blades/)
    - [Kapex Blades](http://www.ustoolandfastener.com/kapex-blades-1/)
- [Veto Pro Pac Tool Bags](http://http://www.ustoolandfastener.com/veto-pro-pac-tool-bags/)
- [Woodpeckers](http://http://www.ustoolandfastener.com/woodpeckers/) 
    - [All Woodpeckers](http://http://www.ustoolandfastener.com/woodpeckers/)
    - [Woodpeckers Clamps](http://www.ustoolandfastener.com/woodpeckers-clamps/)
    - [Woodpeckers Drill Press Tables](http://www.ustoolandfastener.com/woodpeckers-drill-press-tables/)
    - [Woodpeckers Jig & Fixture](http://www.ustoolandfastener.com/woodpeckers-jig-fixture/) 
          - [Woodpeckers Combo Track](http://www.ustoolandfastener.com/woodpeckers-combo-track/)
          - [Woodpeckers Dual Purpose Track](http://www.ustoolandfastener.com/woodpeckers-dual-purpose-track/)
          - [Woodpeckers Multi-Knob](http://www.ustoolandfastener.com/woodpeckers-multi-knob/)
          - [Woodpeckers Super Track](http://www.ustoolandfastener.com/woodpeckers-super-track/)
          - [Woodpeckers T-Track](http://www.ustoolandfastener.com/woodpeckers-t-track/)
    - [Woodpeckers Measuring & Layout](http://www.ustoolandfastener.com/woodpeckers-measuring-layout/) 
          - [Woodpeckers Rules](http://www.ustoolandfastener.com/woodpeckers-rules/)
          - [Woodpeckers Saw Gauge](http://www.ustoolandfastener.com/woodpeckers-saw-gauge/)
          - [Woodpeckers Squares](http://http://www.ustoolandfastener.com/woodpeckers-squares/)
          - [Woodpeckers Story Stick](http://http://www.ustoolandfastener.com/woodpeckers-story-stick/)
          - [Woodpeckers Story Stick Pro](http://www.ustoolandfastener.com/woodpeckers-story-stick-pro/)
          - [Woodpeckers Straight Edge Rules](http://www.ustoolandfastener.com/woodpeckers-straight-edge-rules/)
          - [Woodpeckers T-Squares](http://www.ustoolandfastener.com/woodpeckers-t-squares/)
          - [Woodpeckers Triangles](http://www.ustoolandfastener.com/woodpeckers-triangles/)
    - [Woodpeckers Misc Tools](http://www.ustoolandfastener.com/woodpeckers-misc-tools/)
    - [Woodpeckers Router Lifts & Tables](http://www.ustoolandfastener.com/woodpecker-router-lifts-tables/) 
          - [Woodpeckers Router Packages - BASIC](http://www.ustoolandfastener.com/woodpeckers-router-packages-basic/)
          - [Woodpeckers Router Packages - PREMIUM](http://www.ustoolandfastener.com/woodpeckers-router-packages-premium/)
          - [Woodpeckers Router Mounting Plates](http://www.ustoolandfastener.com/woodpeckers-router-mounting-plates/)
          - [Woodpeckers Router Table Accessories](http://http://www.ustoolandfastener.com/woodpeckers-router-table-accessories/)
          - [Woodpeckers Router Table Lifts](http://http://www.ustoolandfastener.com/woodpeckers-router-table-lifts/)
          - [Woodpeckers Router Table Stands](http://www.ustoolandfastener.com/woodpeckers-router-table-stands/)
          - [Woodpeckers Router Table Tops](http://http://www.ustoolandfastener.com/woodpeckers-router-table-tops/)
    - [Woodpeckers Router Table Packages](http://www.ustoolandfastener.com/woodpeckers-router-table-packages/)
- [Oxx](http://http://www.ustoolandfastener.com/oxx/)
- [Clamps](http://http://www.ustoolandfastener.com/clamps/)
- [Fasteners](http://http://www.ustoolandfastener.com/fasteners/) 
    - [All Fasteners](http://www.ustoolandfastener.com/fasteners/)
    - [Concrete Screws](http://http://www.ustoolandfastener.com/concrete-screws/)
    - [Deck Screws](http://www.ustoolandfastener.com/deck-screws/)
    - [Finish Trim Screws](http://www.ustoolandfastener.com/finish-trim-screws/)
    - [Low Profile Screws](http://www.ustoolandfastener.com/low-profile-screws/)
    - [Metal Siding Screws](http://www.ustoolandfastener.com/metal-siding-screws/)
    - [Micro Pins](http://www.ustoolandfastener.com/micro-pins/)
    - [Multi-Purpose Screws](http://www.ustoolandfastener.com/multi-purpose-screws/)
    - [Pocket Hole Screws](http://www.ustoolandfastener.com/pocket-hole-screws/)
    - [Structural Screws](http://www.ustoolandfastener.com/structural-screws/)
    - [Window Screws](http://www.ustoolandfastener.com/window-screws/)
- [Router Tables](http://http://www.ustoolandfastener.com/router-tables/)
- [Saw Blades](http://www.ustoolandfastener.com/saw-blades/)
- [Bostitch Pins](http://www.ustoolandfastener.com/bostitch-pins/)
- [Customer Service](http://www.ustoolandfastener.com/customer-service/)
- Reviews
- Shipping & Returns
- Blog
- Shop USTF
- Community Outreach

Search

- [Home](https://www.ustoolandfastener.com/)
- [US Tool and Fastener Blog](https://blog.ustoolandfastener.com)
- What to Know About Homeowners Insurance During Remodeling and Construction

# US Tool and Fastener Blog

[![tools-498202_1920-min](https://blog.ustoolandfastener.com/hubfs/tools-498202_1920-min.jpg)](https://blog.ustoolandfastener.com/what-to-know-about-homeowners-insurance-during-remodeling-and-construction)

# What to Know About Homeowners Insurance During Remodeling and Construction

Understanding the intricacies of homeowners insurance is key for [remodeling business](https://blog.ustoolandfastener.com/4-ways-to-grow-your-remodeling-business) owners prior to beginning any remodeling or construction project. Insurance policies can be complicated for everyone involved, from the client to the contractor to all of the sub-contractors. Each of these parties is required to have coverage, and it’s imperative that everyone understands which parties are covered by which policies so that everyone involved feels comfortable and confident that they are protected. That way, you can rest assured before the work even begins that should a mistake or accident occur, there will be no surprise claims filed.

The most important thing to find out going into a project is where exactly the homeowner’s insurance ends and where the remodeler’s begins. You should be fully aware before any work is started who will be taking responsibility for what.

## **Evaluate Your Own Insurance**

You should always consult your broker before beginning a project. Insurance coverage can contain a wide array of variables dictated by the insurance company and mandated by state law. A complete understanding of all these variables and your coverage options will give you a solid foundation before you get started. For instance, you should know in advance whether the homeowner’s insurance will hold them liable if you or an employee are injured on the job.

## **Policy Limits**

A complete understanding of your business’ policy includes a complete understanding of that policy’s limits. General liability limits vary, but most general contractors carry a $1 million limit. This is enough for most contractors, but, depending on where you’re located and the scope of the job, you may need a policy with a higher limit to make sure you’re protected.

## **Umbrella Policies**

Talk with the homeowner about the possibility of an umbrella policy that protects you both. If one of your workers or subcontractors is injured on the job, it’s not uncommon for them to file a claim against both you and the homeowner. As you are both potentially liable in these situations, this kind of policy can go a long way to making sure everyone involved is comfortable and confident going into the project.

## **Subcontractor Insurance**

You should require any subcontractors to name you as an additional insured party on their policy. This will allow you to speak with the their insurance company in case a claim is filed. If for some reason the subcontractors do not have insurance, you should be willing to provide the necessary coverage. Also, on your end, including a “hold harmless” clause in your contract with subcontractors will protect you from having to pay for damages caused by subcontractor’s mistakes, no matter when they are discovered.

## **Transparency**

Ultimately, maintaining transparency is key to fostering a trusting relationship with the homeowner and ensuring the project runs as smoothly as possible. You should make it a practice to provide all current insurance certificates, including those of your subcontractors, to the homeowner, and you should expect the same transparency in return.

[![The Ultimate Garage Workshop: Layout and Tools Guide BLOG](https://no-cache.hubspot.com/cta/default/4592444/68e41fb7-7954-4084-97b6-67b4c6456c6b.png)](https://cta-redirect.hubspot.com/cta/redirect/4592444/68e41fb7-7954-4084-97b6-67b4c6456c6b)

 04 January 2019

- <http://www.facebook.com/share.php?u=https://blog.ustoolandfastener.com/what-to-know-about-homeowners-insurance-during-remodeling-and-construction>
- [mailto:?subject=What%20to%20Know%20About%20Homeowners%20Insurance%20During%20Remodeling%20and%20Construction%20&body=Check%20out%20this%20site%20https://blog.ustoolandfastener.com/what-to-know-about-homeowners-insurance-during-remodeling-and-construction](mailto:?subject=What%20to%20Know%20About%20Homeowners%20Insurance%20During%20Remodeling%20and%20Construction%20&body=Check%20out%20this%20site%20https://blog.ustoolandfastener.com/what-to-know-about-homeowners-insurance-during-remodeling-and-construction)
- <https://twitter.com/intent/tweet?url=https://blog.ustoolandfastener.com/what-to-know-about-homeowners-insurance-during-remodeling-and-construction&text=What%20to%20Know%20About%20Homeowners%20Insurance%20During%20Remodeling%20and%20Construction>

## Recent Posts

- [![Get Ready for Festool's 2023 Lineup With USTF's Product Guide](https://blog.ustoolandfastener.com/hubfs/Ready-800x533.png)](https://blog.ustoolandfastener.com/get-ready-for-festools-2023-lineup-with-ustfs-product-guide)
  
  ## [Get Ready for Festool's 2023 Lineup With USTF's Product Guide](https://blog.ustoolandfastener.com/get-ready-for-festools-2023-lineup-with-ustfs-product-guide)
  
  
  
  The first new Festool 2023 products are here! Before you upgrade your workshop, you should learn about each new tool to see where it can fit into your…
  
  
  
  [Read More](https://blog.ustoolandfastener.com/get-ready-for-festools-2023-lineup-with-ustfs-product-guide)
  
   04th Jan 2019
- [![How Tormek Sharpening Can Keep Your Tools in Peak Condition - ShopUSTF](https://blog.ustoolandfastener.com/hubfs/Imported%20sitepage%20images/tormek-sharpening-innovation-knife-sharpening-a-japanese-kitchen-knife-1200x630.jpg)](https://blog.ustoolandfastener.com/how-tormek-sharpening-can-keep-your-tools-in-peak-condition)
  
  ## [How Tormek Sharpening Can Keep Your Tools in Peak Condition - ShopUSTF](https://blog.ustoolandfastener.com/how-tormek-sharpening-can-keep-your-tools-in-peak-condition)
  
  
  
  If you use blades for your workshop or kitchen, you know how frustrating it can be to rely on dull edges. Fortunately, Tormek has sharpening devices for…
  
  
  
  [Read More](https://blog.ustoolandfastener.com/how-tormek-sharpening-can-keep-your-tools-in-peak-condition)
  
   04th Jan 2019
- [![Come Visit USTF at JLC Live Booth #1419 This Year!](https://blog.ustoolandfastener.com/hubfs/ShopUSTF%20at%20JLC%20Live%202022%20-%20US%20Tool%20and%20Fastener.jpg)](https://blog.ustoolandfastener.com/come-visit-ustf-at-jlc-live-booth-1419-this-year-2023)
  
  ## [Come Visit USTF at JLC Live Booth #1419 This Year!](https://blog.ustoolandfastener.com/come-visit-ustf-at-jlc-live-booth-1419-this-year-2023)
  
  
  
  JLC LIVE is the most anticipated regional trade event of the year for residential construction. Remodelers, home builders, contractors, and other…
  
  
  
  [Read More](https://blog.ustoolandfastener.com/come-visit-ustf-at-jlc-live-booth-1419-this-year-2023)
  
   04th Jan 2019

### Subscribe to our newsletter

[![US Tool & Fastener](https://blog.ustoolandfastener.com/hubfs/US_Tool_and_Fastener_July2018%20Header%20/Images/us-tool-web-logo_1512493645__57899.original.png "US Tool & Fastener")](http://www.ustoolandfastener.com/)

- 120 Goddard Memorial Drive  
   Worcester, MA 01603
- Call us at 877-777-4717

![USTF](https://blog.ustoolandfastener.com/hubfs/US_Tool_and_Fastener_July2018%20Header%20/Images/ustf-web-footer.gif)

![This site is protected by Trustwave's Trusted Commerce program](https://blog.ustoolandfastener.com/hubfs/US_Tool_and_Fastener_July2018%20Header%20/Images/seal_image.php "This site is protected by Trustwave's Trusted Commerce program")

[![PayPal Credit](https://blog.ustoolandfastener.com/hubfs/US_Tool_and_Fastener_July2018%20Header%20/Images/al-b--300-50--1x--87528bfbe8dea90f2b54f484f179a368.png)](https://www.paypal.com/webapps/mch/cmd/?v=3.0&t=1531818771&fdata=JA0MW3MRDg8dTVxBHEdZWkg6PwMhbFl2QH57W38nAw1QUHNubwB8cxdaAGgCPBkjECk3KwJlJiMtOSM3CwUDCwMwdC4gNw83Gj0ZDj4tTBkBDiNlawJ4LUFXc1s5CXYzATc8NAZ2IDk0MT87aCEkJClzKgs1bF5kEyctCy11W19dXnNoaQR4ZURXZR4yCSICbFJYXnAASxIJHAQUEEdcWlxzP1d2f15kAjp0Xmx7W1FcX3BvaRQtIUkkGXESI20WIwEbAy1WGQ8WHjIEVAUIVyYBBCZjJQkwHy10W2h.UlpLCiwsP0AtJB0DaFlmUHheZVNaV3UDXQdIFVkWGE1aX1Y2fgwjNFt6ECh5SSo7Aw1QBCJsagAqMRZKYgpkWGZSM1UKS3oDWlFUQg4UHBFUX102KA99dw0jGi90DDx8WFsPAyV1bwB9ZVlTNwkzRXJSZlNFVCBTXAJARV4TTBBVTAM-PQ03NAgrEnQoWGF7Ul1aVXZubAIpZBFTMw1pX35eMlMOACYCVQAYQEsGXgEEDlNsKFh9YVxwEmQsWD14R11aAXZ1OQMuYFlSYQlpXHoHMlVdBHERGxUNAgQUEBRaW1c0e1MhYFh2Fyp4XWl4WlgOAXA8bFQuMxJXYwk3TjsTMw0MWwVkWTwoMyUiHzE5OSJzOw8jOAp.QX1.WGt8TB0KE3owLEY4JlFUFB1jLm5UFxMfEW1ECAUMAggTRRAOAQEgPUQnOAIuGywlDi0tGEcOCCp9anQ4NA0ENEglHTkDfAcHCDdSAxJcQisWSAEOAktmDwIkIgZnRQ0IOmF6XD04X2JqblEnOwACO0x0Ww9DYyIKCy9ACARcQisAXQIdGQciZwIxPAI&cks=YThmMzIyNzc1ODMwYTkwOWRkMTJmMDk0MTRjNjhiZjc&e=1.0&landing_url=https://www.securecheckout.billmelater.com/paycapture-content/fetch?hash=AU826TU8&content=/bmlweb/ppwpsiw.html)

- <https://www.facebook.com/ShopUSTF/>
- <https://twitter.com/shopustf/>
- <https://www.instagram.com/shopustf/>

### Help & Info

- [Customer Reviews](https://www.ustoolandfastener.com/reviews/)
- [Customer Service](https://www.ustoolandfastener.com/customer-service/)
- [Blog](https://blog.ustoolandfastener.com)
- [Resources](https://www.ustoolandfastener.com/resources)
- [Financing](https://www.ustoolandfastener.com/privacy-policy/?financing)
- [Shipping & Returns](https://www.ustoolandfastener.com/shipping-returns/)
- [Contact Us](https://www.ustoolandfastener.com/contact-us/)
- [Our Location](https://www.ustoolandfastener.com/our-location/)
- [Shop USTF](https://www.ustoolandfastener.com/shop-ustf/)
- [Privacy Policy](https://www.ustoolandfastener.com/privacy-policy/)
- [Terms of Use](https://www.ustoolandfastener.com/terms-of-use/)
- [Sitemap](https://www.ustoolandfastener.com/sitemap.php)

### Shop by Category

- [ON SALE!](https://www.ustoolandfastener.com/on-sale/)
- [NEW FESTOOL](https://www.ustoolandfastener.com/new-festool/)
- [Festool](https://www.ustoolandfastener.com/festool/)
- [Angel Guard Products](https://www.ustoolandfastener.com/angel-guard-products/)
- [Amana Tool](https://www.ustoolandfastener.com/amana-tool/)
- [Collins Tool](https://http://www.ustoolandfastener.com/collins-tool/)
- [GRK Fasteners](https://http://www.ustoolandfastener.com/grk-fasteners/)
- [Kreg Tools](https://http://www.ustoolandfastener.com/kreg-tools/)
- [PICA Markers](https://http://www.ustoolandfastener.com/pica-markers/)
- [Stabila](https://www.ustoolandfastener.com/stabila/)
- [TSO Products](https://www.ustoolandfastener.com/tso-products/)
- [Takumi Hand Saws](https://http://www.ustoolandfastener.com/takumi-hand-saws/)
- [Tenryu](https://www.ustoolandfastener.com/tenryu/)
- [Veto Pro Pac Tool Bags](https://http://www.ustoolandfastener.com/veto-pro-pac-tool-bags/)
- [Woodpeckers](https://http://www.ustoolandfastener.com/woodpeckers/)
- [Oxx](https://http://www.ustoolandfastener.com/oxx/)
- [Clamps](https://http://www.ustoolandfastener.com/clamps/)
- [Fasteners](https://http://www.ustoolandfastener.com/fasteners/)
- [Router Tables](https://http://www.ustoolandfastener.com/router-tables/)
- [Saw Blades](https://www.ustoolandfastener.com/saw-blades/)
- [Bostitch Pins](https://www.ustoolandfastener.com/bostitch-pins/)

### Shop by Brand

- [Festool](https://www.ustoolandfastener.com/brands/Festool.html)
- [GRK Fasteners](https://www.ustoolandfastener.com/brands/GRK-Fasteners.html)
- [Kreg](https://www.ustoolandfastener.com/brands/Kreg.html)
- [Stabila](https://www.ustoolandfastener.com/brands/Stabila.html)
- [Woodpeckers](https://www.ustoolandfastener.com/brands/Woodpeckers.html)
- [Amana](https://www.ustoolandfastener.com/brands/Amana.html)
- [Veto Pro Pac](https://www.ustoolandfastener.com/brands/Veto-Pro-Pac.html)
- [TSO Products](https://www.ustoolandfastener.com/brands/TSO-Products.html)
- [Tenryu](https://www.ustoolandfastener.com/brands/Tenryu.html)
- [View All](https://www.ustoolandfastener.com/brands/)

Copyright © 2022 US Tool & Fastener. USToolandFastener.com is owned and operated by US Tool & Fastener, a division of Angel-Guard Products, Inc.

```json
{
  "@context" : "https://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "Casey Cormier",
    "url" : "https://blog.ustoolandfastener.com/author/casey-cormier"
  },
  "dateModified" : "2019-09-30T21:21:11.908Z",
  "datePublished" : "2019-01-04T21:06:15.000Z",
  "headline" : "What to Know About Homeowners Insurance During Remodeling and Construction",
  "image" : [ "https://blog.ustoolandfastener.com/hubfs/tools-498202_1920-min.jpg" ],
  "mainEntityOfPage" : {
    "@id" : "https://blog.ustoolandfastener.com/what-to-know-about-homeowners-insurance-during-remodeling-and-construction",
    "@type" : "WebPage"
  },
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "url" : "https://blog.ustoolandfastener.com/hubfs/Logo-1.jfif"
    },
    "name" : "Angel-Guard Products, Inc"
  }
}
```