When homeowners make changes to their house without getting the right permissions, it can really mess with their home insurance. If something goes wrong because of these unauthorized modifications, the insurance might not cover it. This is because insurers see these alterations as a bigger chance of something bad happening, which could mean you have to pay more for your insurance or they might not accept your claims at all. It's super important for people who own homes to know about how unpermitted work can affect things like this.