Your homeowners insurance in Antioch, CA is designed to protect your property when you need it the most. While it does a good job of safeguarding your finances against an array of disasters, every policy has its limits and exclusions. For many homeowners, they can benefit from home insurance endorsements that provide additional coverage to protect their home and belongings. Take a look at the common endorsements that you should consider.
Earthquake Endorsement
In California, we are quite used to earthquakes, although that doesn't mean we welcome them. Most home insurance policies exclude damage caused by earthquakes. An earthquake endorsement provides coverage for your home, outbuildings, and your personal belongings in the event of an earthquake.
Sewer Back-Up Endorsement
Not many homeowners think about getting sewer back-up coverage until it's too late. Sewer back-up coverage isn't always included in standard homeowners insurance policies, but it can be added as an endorsement. It is generally set up to protect you from loss or damage to your property caused by the rupture or escape of water from a sewer, drain, sump pump, or septic system.
Scheduled Personal Property Endorsement
Most home insurance policies cover your belongings - up to a certain limit. If you have valuable items that are of high-value, you may find that your coverage is not enough to protect these items adequately. Scheduled personal property endorsements help homeowners to protect their most valuable pieces from damage and loss.
Ask your insurer for more information about possible endorsements! When you're ready to secure a quality homeowners insurance coverage, talk to the friendly experts at Jack Stone Insurance Agency. We serve Antioch, Brentwood, and surrounding cities in California. Contact us today to get started!
