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.