Homeowners Insurance Add-Ons To Consider For More Protection

Homeowners insurance is one of the most important investments you can make. It protects your home and belongings in the event of a covered loss, such as fire, wind damage, or theft. But that doesn't always cover every situation. That's why it's important to consider homeowners insurance add-ons, also called riders, to make sure you're fully protected.

Here are two homeowners insurance add-ons you might want to consider.

Water Damage Protection

Water damage is one of the most common claims homeowners file. And it's not just from floods or other natural disasters. A burst pipe or leaky roof can cause extensive water damage, too.

Most homeowners insurance policies have some coverage for water damage, but it may not be enough to cover the total cost of repairs. That's where a water damage rider comes in. It can help cover the cost of repairs above and beyond what your homeowners insurance policy covers. This is especially important if your policy has a limit on water damage coverage.

Water damage riders typically cover the cost of repairs for other things like:

  • Leaky roofs
  • Overflowing toilets, sinks, and bathtubs
  • Sewer backups

Some water damage riders also cover the cost of mold removal. This is important because mold can cause serious health problems and is not always covered by homeowners insurance. So if you're just looking for some extra protection against water damage, a water damage rider is a good option to consider.

In some cases, water damage riders have a separate deductible from your homeowners policy. This is done to keep premiums low for people who don't live in areas at high risk for water damage.

Pet Insurance

If you have a pet, you know they're part of the family. And just like any other family member, you want to ensure they're protected in case of an accident or illness. However, a standard homeowners insurance policy will likely not cover your pet, even if it could constitute part of your personal belongings.

Pet insurance is a type of homeowners insurance add-on that can help cover the cost of your pet's medical bills if they get sick or injured. It can also cover the cost of boarding or kenneling your pet if you have to go out of town and can't take them with you.

Pet insurance typically doesn't cover routine care, like vaccinations or check-ups. But it can be a lifesaver if your pet has an unexpected illness or injury. And, like other homeowners insurance add-ons, it can help you avoid paying out of pocket for expensive veterinary bills. 

For more information about homeowners insurance, contact a local agent. 

About Me


Latest Posts

Maximizing Your Insurance Coverage: Tips For Getting The Most Out Of Your Policy
26 March 2024

Insurance is one of those things you don’t think m

Unveiling the Importance of Hail Residential Insurance Claims
12 January 2024

When a hailstorm strikes, it doesn't discriminate.

Car Insurance: A Must-Have for Every Vehicle Owner
4 October 2023

Are you a vehicle owner? If so, you've probably he

Why It Actually Does Matter Which Auto Insurance Provider You Use
2 August 2023

If you're ready to purchase auto insurance, you ar

Helpful Tips For Buying Commercial Truck Insurance
8 June 2023

If you own and operate a commercial truck, or if y