Excited about the project, my husband and I carefully picked out new cabinets, floors and appliances. We choose custom-made counters that can double as cutting boards. We considered everything, from the sink’s backsplash to the tile to the color of our high-end appliances.

What we didn’t think about, however, were the ramifications of installing a commercial range in our home. After enlarging the gas line and upgrading our exhaust system, we finally thought the nightmare of installing the range was over. Boy were we wrong! Turns out our home insurance company won’t cover homes that contain commercial ranges. We had to switch to another insurance company, and now we’re paying almost twice what we were for the old policy.

Take my advice and learn from my mistake: Talk to your insurance company before you begin your remodeling project!