Home insurance riders, also known as endorsements, are additional insurance that you add above and beyond the limits and exclusions of your basic home policy. They come at an additional cost so you only want to add ones that make sense in your particular situation. You can discuss these and many other home insurance issues with the agents at Paragon Independent Insurance Agency in Plano, TX. With their more than 50 combined years of experience, they have the knowledge that you need to make an informed decision.
Jewelry
One of the most common riders is for coverage of your jewelry. Typically home insurance may cover as little as $1000 worth of jewelry total. If you have an engagement diamond or a high-end watch, this basic coverage is just not going to cut it. It helps if you have an appraisal of your more valuable items when you go to purchase the additional endorsement.
Antiques and Collectibles
This includes everything from your baseball card collection to coins and first editions. You will need to know the value of your collection in order to be sure that your coverage is adequate for what you have. Again an appraisal is important when coming up with the true value of the items you want to insure.
Earthquake
Home insurance policies almost always exclude earthquake coverage. You can, however, purchase the coverage as a rider and it will cover your home, garage and other buildings on your property and your personal property that may be lost or damaged.
Identity Theft
While nothing can prevent identity theft from happening, once it has happened trying to get it resolved can be an expensive and frustrating thing to go through. Check with your policy issuer to see what sort of coverage they can provide.
Making sure that you have all the riders that you need on your home insurance requires the knowledge that the agents at Paragon Independent Insurance Agency in Plano, TX have. Give their office a call to schedule your appointment today.
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