Top 5 Add-ons to Boost Your Home Insurance Policy

Your home isn’t just a roof and a couple of walls. Your home serves as a place to unwind and a safe haven for your loved ones. Because your home is the most valuable asset you own, it requires all the protection it deserves.  And speaking of safety, there is no better way to safeguard your home than with home insurance.

Unfortunately, your typical home insurance isn’t perfect. For this reason, you need to consider “add-ons” or “riders” from Nieroda Insurance Agency to boost your home insurance policy. Here are common add-ons to consider for your home insurance plan.

Flood insurance

While floods are common, typical home insurance doesn’t cover damage from floods. Luckily, you can purchase a stand-alone flood insurance policy to safeguard your home and its contents.  You can buy flood insurance from the National Flood Insurance Program or authorized private carriers.

Valuables coverage

High-value items like art, jewelry, and silverware enjoy limited protection from home insurance. However, you can increase protection by purchasing extra coverage to protect your most valuable assets.

Sewer back up

A malfunctioning sewerage system may cause untold problems for your house. While this risk is common, the unfortunate reality is that it isn’t covered by typical home insurance. Fortunately, you can buy a sewer backup rider to protect your home from water damage caused by a clogged or malfunctioning sewer system

Earthquake add-on

Without earthquake coverage, homeowners have to bear the financial loss of debris removal and damage to their houses. Luckily, you can purchase earthquakes coverage to cover structural damage to your house and other detached structures.

Home-based business add-on

Have you started a home-based business? Unfortunately, typical home insurance won’t cover business-related risks. However, you can purchase a home-based endorsement to protect your business assets and shield you from liabilities.

Home insurance in Saint Charles, MO 

Shopping for home insurance in Missouri? Would you please look no further than Nieroda Insurance Agency for a competitive home insurance quote?