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Whether you are buying a new home in Ft Meyers, FL, renewing your home insurance, or moving homes, there are many factors to consider when shopping for home insurance. While most homeowners concentrate on what their coverage covers, it’s crucial to know what’s not covered by your policy.
But why is this important? Understanding your home insurance exclusions helps you establish the add-ons to buy to strengthen your policy. Not sure what add-ons to consider? Although there exist numerous endorsements, Martin Insurance Team shares four add-ons that are worth your money.
Flood insurance
Floods can cause unspeakable damage to your home. And the unfortunate thing is that your typical home insurance policy doesn’t cover overland flooding. However, to be on the safe side, it’s crucial to purchase individual flood insurance if you live in a flood-risk area. This coverage protects your dwelling and its contents, helping you avoid out-of-pocket expenses.
Sewer and drain backup
When the sewer lines overflow due to malfunction, clogging, snowmelt, or flooding, it may cause water backup that may cause damage to your dwelling’s floor and walls. While this damage can be expensive, the unfortunate thing is that conventional home insurance doesn’t cover it. However, you can purchase a rider to cover such risks.
Sinkholes
You must have heard about sinkholes causing property damage. And since this risk is becoming increasingly common, it’s thoughtful to purchase sinkhole endorsement to ensure that your insurer caters to any resulting damages.
High-value items endorsement
Do you own high-value items like art, silverware, and jewelry? While your home insurance policy covers these risks, the protection is little. As such, you need to purchase a rider to protect your valuables from theft and other risks.
Buy home insurance today!
Since home insurance is a must-have investment, don’t hesitate to purchase coverage from Martin Insurance Team of Ft Meyers, FL. Besides, we will advise on add-ons suitable for your situation.
