Home insurance comes with limits on coverage. You may think that a home insurance policy covers you for every single thing that could happen to your home, but you would be mistaken. That is not to say that you can not be covered for almost any eventuality, but to be covered, you need to add a rider, sometimes called an endorsement, to your basic policy. At Senn Insurance Agency in O’Fallon, MO, our experienced team can help you to understand what you need in the way of riders.
- Sewer or drain backup – This is something that you may never have thought about, or if you have thought about it, you assumed that your home insurance covered it. Having a sewer or drain back up into your home can cause a devastating amount of damage. This rider will cover the structure of your house as well as personal property. It will also help with the cleanup, which can be a tremendous job.
- Flood – Weather changes all over the United States have resulted in an increase in the number of areas that are vulnerable to flooding. Almost no home insurance policies cover flooding, and you need to make sure that if there is any risk at all, you add the coverage to your policy.
- Jewelry/Antiques – All home insurance policies have a set limit for jewelry and antiques. It is quite low compared to the possible value of even the amount of jewelry that the average person with an engagement ring might have.
- Homebased business – If you are operating a business out of your home, your basic home policy may not cover the inventory and any business equipment you have in your home.
These are just a few of the common riders you may want to add to your home policy. Senn Insurance Agency in O’Fallon, MO can help you to make sure you have all the coverage you need. Call the office or stop by for a no-obligation quote.