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While handypeople do not need to be licensed in many places, you should only hire insured pros for any home improvement work. Your handyperson should have active liability coverage that protects them and you in the case of an error or accident. Furthermore, if they have employees on your property, they should also have workers’ compensation insurance. If you hire an individual or a company that is not insured and they damage your property, have an accident while on the job, or become injured on your property without insurance, you can be held financially liable.

A big resounding yes, hiring a contractor is 100% worth it. They bring expertise, manage permits, coordinate professions in different trades, and help avoid costly mistakes. A pro can keep your project on budget and schedule while ensuring quality work that adds value to your home.

A contractor specializes in a specific field. They often operate in teams where they have subcontractors to handle specialized problems. So if you have significant plumbing, drywall, or roofing issues, you’ll want to hire a contractor, as the job may require a team.

A handyperson is typically one person who works on whatever jobs come their way. You wouldn’t call a contractor to fix the hinges on cabinets or paint your room. Instead, a handyperson can handle all these issues, saving you from making multiple phone calls.

In most states, handypeople do not need to be licensed to perform simple home repair tasks and smaller jobs. When projects exceed specific cost amounts, however, ranging from $500 in California to $50,000 in other states, some municipalities consider them to be contractors, meaning they need to be licensed. To learn if your handyperson should be licensed to work on your job, contact your local governing body or state contractors’ licensing board before starting any work.