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MARQUETTE -- Renovating a house can be costly no matter what type of project you're doing.  It may seem like a good idea to save money by hiring an uninsured contractor, but usually the risks outweigh the benefits.  Not only will insurance not cover poorly done projects, but the homeowner will be responsible for any onsite injuries as well.

So what kinds of projects require a contractor?

"Anything over $600, it has to be a licensed contractor doing the work.  I mean, you're allowed to do your own personal renovations and your own personal modeling, but anything over $600 and any structural changes, you have to have a licensed builder," explains U.P. Builder's Association Executive Officer Emily Nutini.

But when you're dealing with larger renovations, the licensed builder will come in handy because otherwise you'll be responsible for unpaid debts and materials if they don't pay the suppliers and subcontractors.

Although it varies by project, it usually will be in the thousands of dollars. Take for example, a two-car garage.

"Garage construction can vary anywhere from probably $3,000 to $8,000 or $9,000.  We've had garage packages that go out over $20,000," says Pro Build General Manager Brian Russell.

One reason the licensed contractors may cost a little more up front is because they have to go through certain requirements to keep their license.

"You have to do some continuing education.  Licensed builders are constantly taking classes to refresh themselves, to gain new skills, just to comply with new laws coming out," Nutini explains.

To make sure you're getting a professional, always ask to see their license before they begin the work.