Different Types of Homeowners Insurance Endorsements

Consider These Different Home Insurance Add-Ons

Homeowners insurance in Renton, WA is designed to protect your home and property when the unexpected happens. Even so, all policies have limits and exclusions, and you may want to add extra coverage to make sure you’ll always be protected. A home insurance endorsement is a great way to supplement your policy for better protection. Take a look at a few below:

Sewer Backup Endorsement

A sewer back up can be caused by anything from clogged or grease-filled drains to damaged sewer lines. If sewage is backed up into your property, your belongings and structure may be ruined. Since this coverage isn’t typically covered in a home insurance policy, it is a good idea to add on this endorsement so that you have protection from the escape of water from a sewer, drain, sump pump or septic system.

Scheduled Personal Property Endorsement

Although your home insurance will cover a certain amount of your belongings, your most prized pieces may be exposed. When the value of your belongings is higher than the limits in your coverage, you’ll need to add on coverage. Items such as jewelry, collections, musical instruments, antiques, and more should be protected with a scheduled personal property endorsement.

Home-Based Business Endorsement

If you’re planning on starting your own business working from home, it’s important that you start this endeavor protected. Business activities – even small scale ones – aren’t typically covered by standard home insurance policies. If the worst happens, you may not be covered by your home insurance and your insurer may decide to cancel your coverage. The good news is that you can add on a home-based business endorsement to your policy instead of taking out a full commercial policy.

Home insurance doesn’t have to be hard to find. When you need to find coverage to suit your budget, talk to the professionals at Humble & Davenport Insurance today.

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