Home Insurance Policy Endorsements for Your Consideration

Secure these insurance endorsements to extend your homeowners insurance coverage.file labelled "home insurance"

Many homeowners make the mistake of assuming that their insurance covers every risk that they may encounter.  However, all insurance policies have coverage limits, and not knowing yours could leave you exposed to major threats.  Fortunately, homeowners have the option to secure policy endorsements to supplement their home insurance.  Home policy endorsements allow you to extend your homeowners coverage for specific losses for an additional premium.  But with all the endorsements out there, how do you know which ones are right for you?  Here are some of the most popular endorsements for your consideration.

  • Scheduled Personal Property

If you have high-value items that cannot be covered by your standard personal property coverage, then you can secure additional coverage by scheduling these specific items on your home policy.  This will ensure that high-value items such as jewelry, electronics, fine art, and so on are covered for their full value.

  • Sewer Backup

A sewer backup can cause considerable water damage to your home and can also pose a major health risk to your loved ones.  Unfortunately, standard home insurance will not cover the cost of dealing with sewer backup damage.  However, by securing a sewer backup policy rider, you can secure coverage for water damage and remediation efforts.

  • Home Business Endorsement

If you are running a business out of your home, then your insurance will not cover anything related to your business.  Rather than securing a totally separate business insurance policy, many home insurers offer the chance to secure a home-based business insurance endorsement to cover your business equipment, supplies, and legal liability.

These are some of the home insurance policy endorsements that you should consider.  Are you looking for assistance with your homeowners insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to get you covered today.