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When you buy home insurance from Pizano Insurance, you expect it to protect you against all perils lurking in your home. Unfortunately, home insurance has limitations. However, the good news for Wayzata, MN homeowners is that there are riders (add-ons) you can consider boosting your home insurance policy. Let’s look at a few.
Flood insurance
While home insurance covers water damage resulting from leaky pipes and faulty appliances, it doesn’t cover water damage from overland flooding. As such, you need a stand-alone food insurance policy to protect your home from floods. Even if you don’t live in a flood plain area, it’s recommended you purchase flood insurance since floods can strike anywhere.
Umbrella insurance
Umbrella insurance is extra liability coverage that comes into play when your liability coverage runs out. For instance, if someone slips in your home and suffers severe head injuries, home insurance can only stretch as far. It will cover medical expenses and possible lawsuits but may run out. Fortunately, umbrella insurance picks from what your home insurance leaves off.
Sewer and drain backup
Water damage from a sewer backup is a constant pain for homeowners. These problems occur when your sewer lines are clogged, become old and weak, or when tree roots seep into the lines, causing damage. Unfortunately, this risk isn’t covered by your typical home insurance. For this reason, you should invest in a sewer and drain backup endorsement to avoid you counting losses when water damage strikes.
Scheduled personal property
While home insurance protects high-value items like art and jewelry, the protection is limited. If loss or damage were to occur, you would incur out-of-pocket expenses to replace your property. Thankfully, valued possession coverage can help protect your valuables from breakage and theft.
Boost your home insurance today!
Would you like to get more out of your home insurance? Contact Pizano Insurance of Wayzata, MN to help you boost your home insurance coverage with appropriate riders/endorsements.