Beyond the Basics: Additional Coverages You Might Need in Your Homeowners Insurance Policy

Your home is more than just the place you live or where you rest your head—it’s a sanctuary, an investment, and a reflection of your unique lifestyle. As one of the biggest investments you will ever make, it is important to ensure its protection with comprehensive homeowners insurance. The problem with standard homeowners insurance policies is that there is no “one size fits all option” that can adequately cover your unique needs. It is essential to work with an experienced insurance broker who will go beyond the basics to find you a homeowners insurance policy that offers comprehensive coverage tailored to your needs. 

The Tailored Approach: Your Unique Coverage Needs

Homeowners insurance protects you from financial hardship caused by unexpected events. A well-crafted policy covers common perils like fire, theft, and vandalism, as well as unforeseen accidents. 

• Personal Property Endorsement
  • Your home is more than just a structure—it’s where your valuables are stored. A personal property endorsement can extend coverage limits and protect your most important and valuable possessions.
• Umbrella Liability Coverage
  • Accidents happen. If someone is injured on your property and sues you, umbrella liability insurance can help protect your assets. It provides additional coverage above your standard liability policy, shielding your savings from lawsuits.
• Sewer and Water Backup Coverage
  • Sewer backups can cause significant damage and costly repairs. Get sewer and water backup coverage to help cover the costs of cleanup and repairs.
• Ordinance or Law Coverage
  • If your home is damaged, rebuilding or repairing may cost more due to changes in building codes. Ordinance or law coverage can help pay for these costs.
• Identity Theft Coverage
  • In the digital age, protect your personal information with identity theft coverage. It can help with legal fees and credit restoration, adding an extra layer of security to your homeowner’s insurance.

At RRM Insurance, we understand that every homeowner’s needs are unique. We’ll work closely with you to craft a policy that goes beyond the basics, protecting your home and belongings from unexpected events. Contact us today to learn more.