The main dangers with DIY home improvement or renovation projects are significant. You could hurt yourself and potentially incur medical expenses. You might also cause damage to your home. This damage might mean bringing in a professional to fix or finish it.

That could end up costing more money. Hiring a pro initially might be less expensive. A general contractor can charge up to 25% of the completed project’s cost for labor. That’s potentially hundreds or thousands of dollars.

For those who plan to push ahead, injuries are a real concern. Even if you’re doing something mundane, the chances that you’ll get hurt are higher than you might think. This includes tasks that may require you to climb a ladder, mow the lawn, or swing a hammer.

Guardian, an insurance and financial product provider, conducted a new survey. It reveals that 20% of Americans are injured during DIY home improvement projects. These injuries are serious enough to require medical attention. And 5% of respondents say they were injured so severely that they required long-term care, or multiple follow-ups with doctors.

The most dangerous projects, per Guardian’s analysis, involve carpentry, fixture installation, and landscaping.

The data shows that 77% of Americans take on DIY projects. Mike Estep, vice president of group products and worksite leader for Guardian, provides this information. If you’re injured on a DIY project, you may hesitate to use health insurance to cover the costs. This hesitation often arises because the deductible is higher than the cost of care.

The average emergency room visit costs more than $2,000, according to an analysis from UnitedHealth Group, for example. Meanwhile, for people with high-deductible insurance plans, the average deductible is nearly $2,500.

Your health insurance policy might cover the expenses of receiving care for an injury. However, the costs of using it can be prohibitive.