Home Insurance Riders, Floaters or Endorsements
Do you own items that require a Home Insurance Rider, Floater or Endorsement?
The personal property coverage under a standard home insurance policy is full of limitations. For example, some types of personal property are covered, but only up to a specific amount and that amount may be only a fraction of the actual value (see bullet points below). Additional coverage for the full value of such property may require a home insurance rider.
• Jewelry
• Artwork including statues, paintings, rugs, vintage furniture
• Furs
• Cameras & video equipment
• Computers & electronics
• Musical instruments
• Firearms, Sporting equipment
• Stamps & coin collections
• Silverware, goldware and china
Home Business Insurance
Do you need a BOP Insurance Policy or a Home Business Insurance?
More than 20 percent of American households double as a business headquarters. Standard homeowners insurance is very limited on coverage for property used in business operations. Most policies are more restrictive toward business-related liability (i.e., a customer is injured while in your home), often excluding such claims altogether. If you operate any form of business out of your home, consider adding a business-based home insurance rider to your policy.
Secondary Residence or Income Property:
If you own another home that is used as a secondary residence or rental property, you may be able to obtain coverage for that property by adding a rider to your current homeowners insurance policy. If available, this method may be cost effective versus separate policies for each property.
Sewer and Drain Back-Up:
A backed-up sewer or drain can cause significant damage to your home. This type of loss may be excluded under your homeowner’s insurance. If so, a home insurance rider may be necessary to add this coverage.
Discuss Home Insurance Riders At One Of Our 3 Insurance Offices.
Home Insurance Riders are designed to protect you from the specialty situations some people have. Do not get stuck being under insured because you have not added your jewelry or electronics, home office, rental property or sewer system to the policy.
We have 3 locations!
Any one of us can sit down and evaluate your individual situation with proper home insurance rider coverage. We are independent insurance agents with local insurance offices in Centerville (Dayton) Ohio, West Chester (Cincinnati) Ohio, and Northwood (Toledo) Ohio.
