The 3 Home Insurance Endorsements You Should Consider

the concept of home insurance

Consider these home insurance add-ons to secure your property.

Homeowners insurance is something that allows you to sleep a little easier at night. If the worst happens, you know you have a financial safety net in place. But, do you really? Many homeowners know that they need coverage so they secure a basic policy at a premium well within their budget. What they don’t know is that they are missing out on coverage that their home needs. Take a look at these home insurance endorsements to consider.

  • Sewer backup

A sewer backup can be caused by anything from clogged or grease-filled drains to damaged sewer lines. Unfortunately, many homeowners don’t consider the damage that this can do until it’s too late. Keep in mind that sewer backup coverage isn’t always included in standard home insurance policies, but it can often be added as an endorsement.

  • Home business

Many homeowners are now operating home businesses and need business insurance for a home-based business. Be aware that your home insurance policy will not cover your business equipment or dealings, which is why it’s wise to secure separate coverage. The home business endorsement will add business equipment and legal liability to your policy.

  • Scheduled personal property

If you have valuable items outside of the normal household inventory, such as expensive jewelry, electronics, computers, fine art, or antiques, you may want to schedule those items to make sure that you can replace them at their full value in the event of a loss. Although home insurance does cover your personal property, it may not be enough to fully replace items of high-value.

When you’re looking to protect your property, contact your insurance professionals at American Premier Insurance. Our dedicated experts are ready to assist you with all your home insurance needs in Phoenix, Tucson, and beyond.