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You are here: Home > Personal > Goals and life events > Owning your home > Renovating your home > Determine your needs to do the job well

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Renovating your home

Determine your needs to do the job well

To ensure a successful renovation, you should evaluate your needs and expectations.

You'll have to take several things into consideration when you plan your renovation:

  • The type of home you have
  • Your neighbourhood
  • The kind of work you want to do
  • The materials you'll use

These things have repercussions on your comfort and budget. However, be aware that changes made to your home won't automatically increase its value.

Some changes you make will reflect your tastes and lifestyle, but may not correspond to the needs of potential buyers. Other types of renovations however will allow you to recover your costs through an increase in property value.

For large-scale renovations, it might be useful to contact an accredited appraiser.

Evaluate renovation costs

Before thinking about how you'll finance your renovations, evaluate the cost of the work to be done as accurately as possible.

Need information? The Canadian Mortgage and Housing Corporation (CMHC) has information and tips to help you assess your needs, make the right choices and draw up a realistic budget before you begin.

Modify your home insurance

When you renovate, it's important to contact your insurer to update your home insurance policy. Some renovations may increase your home's value so it's important to ask your insurer how your renovations will affect your policy.

Qualified Desjardins Insurance agents are available to help you choose suitable coverage.

Learn more - Home insurance

Desjardins supports green renovating and has a comprehensive offer that includes cashback and many other advantages.

The savings calculator will help you estimate your energy savings.

Learn more - Green Homes Program

Desjardins is environmentally-conscious and a proud partner of the École Polytechnique de Montréal's International Chair on Life Cycle Assessment.

The Chair has designed a tool that uses life cycle thinking to help better evaluate the environmental impact of your renovations.

Life cycle thinking considers the life cycle of a home: building the materials, construction, possession and the end of the building's life.

Learn more - How green are your home renovation projects?

A variety of public organizations have financial assistance programs for renovations that apply to territories, regions or neighbourhoods, or to certain types of renovations.

Your Desjardins advisor can provide more information, as it pertains to your renovations.

Desjardins Insurance refers to Desjardins General Insurance Inc.