Consider these add-on coverages to your home insurance.
Your homeowners insurance is designed to protect your property when the unexpected happens. Most of the time, it does. But, every policy has its exclusions and limits. With that in mind, take a look at these home insurance endorsements to consider.
Scheduled personal property
Your home insurance works to protect your belongings – up to a certain limit. If you have items of high-value, you may find that your belongings are not adequately covered. This calls for a scheduled personal property endorsement, which helps to protect your jewelry, antiques, electronics, fine art, and other expensive belongings.
Personal property replacement cost
The personal property replacement cost rider pays for replacement cost for your belongings without depreciation in the event of a covered loss. That means your items will be replaced at their new value rather than having to find replacements at the depreciated value.
Home business endorsement
More and more homeowners are now operating home businesses and need business insurance – which is not provided in a basic homeowners policy. Adding on a home business endorsement helps to protect your business, equipment, and liability if the unexpected occurs.
Home insurance is incredibly valuable to protect your property but consider these endorsements, too. When you need to find quality coverage to suit your budget, talk to the team at C.V. Mason Insurance Agency.