As a homeowner, filling coverage gaps can be tricky when you’re unfamiliar with your options insurance wise. Working with an agency is a way to determine which home insurance add-ons are ideal. At Toney Insurance Services, serving Snellville, GA, we’ll work with you to determine which home insurance add-ons you might require based on the type of protection and coverage you’re seeking.
Flood Insurance
One of the most important types of add-ons you can consider as a homeowner includes flood insurance. Most typical home insurance policies do not include flood protection. If you live in a flood-prone area, adding a separate flood insurance is often essential. If you’re in a high-risk zone, additional flood insurance policies can provide the peace of mind you need as a homeowner.
Scheduled Personal Property
If you have high-value items in your home, such as antiques, collectibles, and other high-value items, investing in a scheduled personal property add-on is highly recommended. Scheduling these items individually ensures they’re insured for their full appraised value, often with much broader protection.
Sewer and Water Backup
Damage from sump pump failures and backed-up drains are typically excluded from traditional homeowner insurance. This add-on helps with covering cleanups and repairs that may be caused by your local sewer or water backup.
Equipment Breakdown
If you experience sudden electrical failures or mechanical issues with your home systems and appliances, equipment breakdown add-ons can help cover HVAC units, water heaters, and even electrical panels.
Understanding home insurance add-ons is essential as a homeowner. Without proper add-ons, you may experience coverage gaps when filing a claim. If you’re interested in learning more about home insurance add-ons that can lend additional protection to your home and investment, we can help. For your quote and consultation in or around Snellville, GA, contact us here at Toney Insurance Services today.
