When shopping the market for a Homeowner’s policy that will keep you covered in the times when you need it most, it is important to understand your options. At first glance, many home policies look the same and typically include protection for the following:
- Other Structures
- Personal Property
- Loss of Use
- Personal Liability
- Medical Payments to Others
However, coverage endorsements are critical to ensure you become whole again after an unexpected loss. As your insurance professional, we conduct a review of your current policy to identify any potential gaps in coverage. Some key coverage endorsements to consider include:
- Scheduled Personal Property Endorsement
- Sewer & Water Back Up/Sump Pump Failure
- Identity Theft
- Increased or Guaranteed Dwelling Replacement
- Business Property in the Home
- Ordinance or Law
Good to Know!
How confident are you that your current policy covers unexpected occurrences, such as floodwaters or tree roots in your sewer line? The majority of homeowner’s policies exclude this type of coverage. Our insurance experts help you identify and protect against possible gaps in coverage.