Our Coverages

Layer our upgrade coverage on top of your homeowners insurance so you can restore your home and modernize it at the same time.

Start restoration fast (after claim approval)
Up to $50,000 in upgrade coverage per claim
Works alongside your existing homeowners insurance
30-day money-back guarantee
Check Your Eligibility
Modern renovated kitchen
Start restoration fast (after claim approval)
Up to $50,000 in upgrade coverage per claim
Works alongside your existing homeowners insurance
30-day money-back guarantee
Check Your Eligibility

| 1,000+ verified homeowners | 🔒 Backed by Qixent | Available in 14 states | 24-hour claim response guarantee

Proven Experience Across Top Insurance Carriers

What is RenovationUp?

RenovationUp is a service contract that works alongside (not instead of) your homeowners insurance. When your insurance approves a claim, RenovationUp adds up to $50,000 in extra coverage to fund upgrades.

Upgrade Coverage Built For Your Needs

Home Upgrade Coverage

Turn an approved property claim into an opportunity to modernize your home with premium finishes and smarter layouts.

  • Up to $50,000 in upgrade coverage per eligible claim
  • Ideal for primary residences and second homes
  • Better materials, smarter layouts, modern systems
  • Plans from $540/year, subject to eligibility
Rebuild‑Plus for Landlords

Help your rental units recover faster and emerge more attractive with targeted upgrade funding after a covered loss.

  • Support small landlords and property owners
  • Improve tenant appeal with modern finishes
  • Increase home value with strategic upgrades
  • Coordinate with landlord insurance policies
  • Designed for rental properties nationwide
Real‑Estate Upgrade Plans

Give buyers and sellers a way to handle post-closing surprises with an upgrade budget already in place.

  • Protect early-ownership claims with upgrade coverage
  • Listing differentiator in competitive markets
  • Easy to add at closing via attorney or agent
  • Available for buyer or seller

Why Homeowners Choose RenovationUp

Most homeowners policies are built to put you back to "pre‑loss" condition, not to redesign your home. RenovationUp is built for the better‑than‑before outcome

Standard homeowners insurance reimburses you for like-kind-and-quality repairs. RenovationUp sits on top of that, letting you direct upgrade dollars toward better materials, smarter layouts, and modern systems.

Get My Upgrade Quote
Fewer Funding Delays
Funding gaps can stall repairs for weeks. RenovationUp helps move your project forward after claim approval so contractors can start work sooner.
Better-Than-Before Outcome
A single covered loss becomes your chance to upgrade kitchens, baths, basements, exteriors, and systems you've wanted to improve for years.
Works With Your Insurance
Your homeowners policy still handles the core claim. RenovationUp adds the upgrade layer on top, with seamless coordination between both.

Real Homeowners, Real Upgrades

CASE STUDY | 01

Quick and easy

"I experienced roof damage due to a severe hailstorm. RenovationUp got me back into my house in 9 days!. They found a contractor, worked with the adjustor and got the damage fixed without me having to talk with the insurance company. Next time I'm also getting their upgrade package so that they'll pay the $6,795 and I won't have to pay it out of my own pocket"

Claudia R. | Oklahoma | Hail damage | Roof replacement

Claim: $35,000 | Out-of-pocket cost: $6,795 | RenovationUp potential coverage: $7,000

CASE STUDY | 02

I should have gotten RenovationUp's upgrade package

"My business suffered severe hail and wind damage. The repair estimate exceeded $300,000, but the insurance policy payout was limited to $178,000, leaving me to cover the remaining costs out of pocket. RenovationUp took very good care of me and were very professional. I didn't have their upgrade package so I missed out on an additional $50,000 budget from them. That's a mistake I won't make again. I highly recommend this service for the peace of mind it provides during times like these."

Richard W. | Colorado | Hail & wind damage | Commercial repair

Claim: $300,000 | Out-of-pocket cost: $122,000 | RenovationUp potential coverage: $50,000

CASE STUDY | 03

$10K upgrade paid out of pocket

"I had water damage caused by a leak from my first-floor shower. The damage was discovered later when it appeared on the main floor. The claim was adjusted for $38,000. During reconstruction, I decided to upgrade the old plumbing system to prevent future leaks, but the insurance only approved repairs to the damaged shower. The additional $10,000 upgrade cost came out of my pocket. RenovationUp would have paid me an additional $7,600 to offset those expenses. I'm getting their upgrade package."

Fernando J. | Texas | Water damage | Plumbing upgrade

Claim: $38,000 | Out-of-pocket cost: $10,000 | RenovationUp potential coverage: $7,600

CASE STUDY | 04

Delayed repairs led to denied mold claim - Expert recommendation for proactive coverage

"Many times, customers face financial constraints even when a claim is approved. One of my clients experienced water damage and struggled to pay her deductible, so she postponed repairs. When reconstruction finally began, the contractor discovered mold, which doubled the scope and cost of repairs. The insurance carrier denied the mold claim because the damage wasn't addressed in a timely manner. Renovation Up's funding services, offered as an add-on to insurance coverage, would have been an excellent solution and could have helped my client avoid the situation she is facing now."

Zoe M. | Utah | Insurance Agent | Professional perspective

Professional recommendation for proactive coverage

CASE STUDY | 05

Avoided Roof Shingle Upgrade Due to Extra Cost

"My roof was damaged by wind. The insurance carrier approved my claim to replace the roof with the same type of shingles. My contractor suggested higher-quality shingles but I couldn't afford the $4,500 upgrade cost. I really wish I had signed up with Renovation Up before filing my claim. At least now I know I'll be covered for the future :)"

Maria V. | Nebraska | Wind damage | Roof Upgrade

Claim: $22,000 | Out-of-pocket cost: $4,500 | Renovation Up potential coverage: $4,400

CASE STUDY | 06

$8,200 deductible created financial strain

"I had a kitchen fire due to an electrical issue. The insurance claim was approved for $62,000, which covered the repairs, but I was still responsible for an $8,200 deductible. Coming up with that amount while displaced from my home was extremely stressful. If I had RenovationUp before the loss, my deductible would have been covered, and I could have focused on recovery instead of finances."

Christopher V. | Colorado | Fire damage | Kitchen reconstruction

Claim: $62,000 | Out-of-pocket cost: $8,200 | Renovation Up potential coverage: $12,400

CASE STUDY | 07

Forced to downgrade materials due to budget limitations

"I had a burst pipe during last winter that caused a lot of damage. The insurance approved $44,500 for repairs with builder-grade materials. It was a cost of $6,000 to get more durable flooring to prevent future damage. I couldn't afford the difference so I got the less durable flooring. I'm getting RenovationUp so that next time I can rebuild smarter, not just cheaper."

Jose R. | Utah | Water damage | Flooring upgrade

Claim: $44,500 | Out-of-pocket cost: $6,000 | Renovation Up potential coverage: $8,900

CASE STUDY | 08

Business repairs delayed due to uncovered gap

"A windstorm caused extensive damage to my retail storefront. The insurance payout covered structural repairs, but signage, interior upgrades, and code-related improvements weren't included. I ended up paying nearly $12,000 out of pocket, which delayed reopening my business. I'm getting RenovationUp to bridge the gap and reduce downtime next time."

Collin C. | Utah | Wind damage | Commercial restoration

Claim: $96,000 | Out-of-pocket cost: $12,000 | Renovation Up potential coverage: $19,200

CASE STUDY | 09

Code upgrade costs came as an unexpected surprise

"After a house fire, the adjustor didn't fully cover local code upgrades. I had to pay $9,500 to meet updated electrical and safety requirements before work could continue. I wasn't prepared for that expense. RenovationUp would have given me a $23,600 renovation budget. I would have been able to do the code upgrades and I would have updated other parts of my house with $0 out of my own pocket! I'm getting RenovationUp as soon as They're available in Arizona"

Patrice P. | Arizona | Fire damage | Code upgrades

Claim: $118,000 | Out-of-pocket cost: $9,500 | Renovation Up potential coverage: $23,600

CASE STUDY | 10

Deductible + upgrades added pressure during an already stressful time

"My sump pump failed during heavy rain and my basement flooded. The claim was approved for $42,000 with a $5,000 deductible. It would have cost an additional $4,000 to upgrade to moisture-resistant materials. It was too expensive for me. This caused a lot of stress in my life. RenovationUp would made my out-of-pocket expenses go away and I would have been able to rebuild with better protection."

Kevin S. | Ohio | Water damage | Basement restoration

Claim: $42,000 | Out-of-pocket cost: $9,000 | Renovation Up potential coverage: $8,400

Real Homeowners, Real Upgrades

Matt G. | Colorado | Water Claim
✓ Verified homeowner

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Our Commitments to You

30-Day Money-Back Guarantee
If RenovationUp isn't right for you, cancel within 30 days for a full refund. No questions asked.
24-Hour Claim Response
Once you notify us of an approved claim, we typically respond within 24 business hours with next steps and options.
No Hidden Fees
$540/year is your plan price. No surprise charges, no fine print catches. See exactly what's included.

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