What You Need to Know About Supplemental Insurance
You’ve protected your home with a home insurance policy. Good for you! Now you need to be sure how far your coverage extends and whether you need to consider supplemental insurance coverage.
Question: What do floods, sinkholes and sewer backup have in common? Answer: these are all things not covered by a basic home-owners policy. Because these disasters can strike without warning, you need to know your home is protected with things like sewer backup insurance. Floods happen everywhere so even if you don’t live in a designated flood zone, water coverage insurance is vital. The good news? Flood insurance rates are extremely reasonable.
Another reason to consider supplemental insurance? Data breaches are on the rise. Supplementing your policy with identity theft insurance can protect you financially should your information fall into the wrong hands.
When money and valuables get stolen from your home or mysteriously disappear, your basic policy may not cover you for full value. You can find out more about the claims progress here. In the meantime, adding cash insurance and jewelry insurance to your policy changes that.
Yes, there is coverage for freezer food that thaws during a power outage. If the limit that is included in your standard homeowner’s policy does not provide the amount of coverage you require or excludes the circumstances you are concerned about, a special endorsement for additional coverage can be purchased for a low premium.
Yes, most insurance providers offer this coverage as this can be a large unexpected expense for insured’s. There are limits associated with this coverage and higher limits can be purchased.
Yes, this is an additional coverage that is offered by many insurance companies as water damage is one of the leading causes of property claims.
Get Your Supplemental Insurance Quote
Not sure your homeowner’s policy comes with the best coverage? No problem! Our network of independent brokers can walk you through the process of adding more.