Your standard home insurance protects you and your home against numerous risks. However, like most things in life, your homeowner’s insurance isn’t perfect. There are perils it doesn’t offer protection against. Luckily, you can purchase add-ons to boost your home insurance. Since there exist numerous home insurance add-ons, you may wonder which ones are worth your hard-earned money. North Georgia Insurance Center looks at four policies you can consider to enhance your home insurance.
Your typical home insurance doesn’t cover flood damage. However, you can purchase stand-alone flood insurance from private carriers or the NFIP to protect your home against floods. Flood insurance covers your home structure and its contents when floods strike.
Sewer back up
While sewer back-ups happen every day, the unfortunate thing is that standard home insurance doesn’t cover the resulting damage. Your sewer lines could be damaged by many factors, including clogged pipes and tree roots. You can protect your home from blocked sewer lines by purchasing special coverage.
Like flood damage, your typical home insurance doesn’t cover earthquake damage. You can purchase earthquake insurance to protect your home, especially if it’s located in a zone at high risk of earthquakes. Earthquake insurance covers damage to your building and its contents and loss of use.
High-value contents coverage
Your standard home insurance covers valuable items like cash, jewelry, and art up to a specific limit. Most home insurance policies cover these high-valued items up to $1,000. Since this amount is on the lower end, you should purchase special coverage for optimal coverage of your high-priced items.
Ready to protect your home with insurance? If you are in Commerce, GA, please call North Georgia Insurance Center for reliable coverage.