Home Insurance Add-ons to Consider

Since every home is different, no home insurance plan can suffice all homeowners’ needs. In light of this, home insurance add-ons help you pay for what you need rather than pay for an expensive policy that you don’t need. While there exist many home insurance add-ons, at Deboo Insurance Agency Inc. in Deerfield Beach, FL, we have prepared add-ons that are worth your extra bucks.

Flood insurance

Do you live in a flood-risk area? You require flood insurance coverage since a typical home insurance plan doesn’t cover flood damage. Luckily, you can get flood damage coverage by purchasing a flood insurance policy from the National Flood Insurance Program (NFIP) or private insurers. This coverage protects your building and its contents. 

Umbrella insurance

You need umbrella insurance if you own a dangerous pet or amenities like a swimming pool and trampoline. This coverage comes to your rescue when your conventional liability coverage runs out. For instance, if someone injures themselves while within your premises, umbrella insurance covers medical expenses and legal charges exceeding your home insurance limit. 

Sewer and drain backup

Water damage resulting from faulty sewerage isn’t covered by typical home insurance. While sewer and drain backups aren’t an everyday occurrence, they are inconvenient and expensive to fix when they occur. For this reason, you may need an endorsement to cover such damages.

Valued possession coverage

Yes, your home insurance covers high-value items like jewelry, art, and silverware, but the coverage is limited. As such, you need a rider to ensure you get total compensation for your high-priced assets when the unthinkable strikes. 

Home insurance coverage in Deerfield Beach, FL

When you purchase these add-ons, you will keep yourself and your home secure. Need more information on home insurance add-ons? Please get in touch with Deboo Insurance Agency Inc. today. Our team will help you choose home insurance coverage and add-ons that suit your needs.