Common home riders you may want to add

Home insurance is more complicated than you might expect. It is required when you have a lender to protect their investment in your home. They are not however concerned about your personal property, they leave that worry to you. A typical home insurance policy has limits on contents and on certain aspects of the content coverage. It is up to you to make sure that the limits are appropriate for the personal property that you have. Home insurance also has some exclusions and you can for many of them find a rider that will give you the additional coverage you need. Having a knowledgeable agent like those at Monterey Insurance Group Inc. in Huntington, MD is important for your peace of mind. 

Sewer Backup

What could be grosser than a sewer backup? Nothing and the amount of damage that can be done to your home, your furnishings, flooring and personal property can be devastating. Adding this rider to your home insurance will allow you to replace and repair all the damage that is done. 

Earthquake/sinkhole

While earthquakes are not a fact of life in every city or state, earth movements of other types are also covered in this rider. Sinkholes have been showing up in many unexpected places and mudslides also come under the category of moving earth.  

Jewelry

Most home insurance policies have a rather small limit on jewelry. If you have a nice engagement ring you may find that it is more expensive then the limit allowed on your policy. Be sure to get an appraisal for your better jewelry before you decide on the amount of additional insurance that you need.

Riders are a way to personalize your home insurance to your particular needs. At Monterey Insurance Group Inc. in Huntington, MD we would love to sit down with you and discuss the riders that make sense to you. Give our office a call or stop by for a no-obligation quote.