Optional Homeowners Insurance Coverage

If you feel that you need more coverage than the standard homeowners insurance policy, there are riders that you can add on:

• Credit card forgery endorsement
• Guaranteed replacement cost
• Secondary residence premises endorsement
• Theft coverage protection endorsement
• Watercraft endorsement

Many people also incorrectly assume that their homeowner’s insurance will cover certain natural disasters, including floods and earthquakes. Unfortunately, you’ll need extra protection if you live in a flood plain or an area that is prone to earthquake activity. Paying a little more for this added coverage up front will ensure that you have financial help when you need it.