Your homeowners insurance is designed to protect you when the worst happens. For the most part, it does. However, every policy has limitations and exclusions. The best way to protect y our property is to know what your policy excludes and how to fill those gaps. Home insurance endorsements can help. Take a look at common home insurance endorsements to consider.
While your home insurance will cover your belongings, your high-value items may not have enough coverage to be replaced if they are lost in a peril. Scheduling your property with a rider helps to ensure that your expensive belongings, such as jewelry, art, antiques, musical equipment, and more are covered from disasters.
A sewer backup can be caused by anything from clogged drains to damaged sewer lines – and it can cause sewage to back up into your home. Just a few inches of this can quickly ruin your property. Since sewer backup coverage isn’t always included in standard home insurance policies, adding it as an endorsement is a smart move to make.
If you’re thinking of launching your own business from your home, be sure to talk to your insurance agent first. Business activities, even small-scale ones, are not covered by standard home insurance policies. This means that your business property is vulnerable. You may be able to add a home-based business endorsement to your home insurance policy instead of purchasing a full commercial insurance policy.
Make sure you have a homeowners insurance that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.