Supplemental property insurance is a type of insurance that provides coverage beyond what your standard home insurance policy offers.
It can help you pay for damages or losses that are not covered by your regular policy, such as floods, earthquakes, and more.
Supplemental property insurance can also cover the full value of your valuable personal property, such as jewelry, or collectibles, that may have limited coverage under your standard policy.
Types of Supplemental Property Insurance
Supplemental property insurance can help protect you from unexpected expenses not covered by your regular policy.
Depending on where you live and what kind of personal property you own, you may need supplemental property insurance for the following:
Flood insurance covers water damage caused by floods, which is not included in most home insurance policies.
You can purchase flood insurance through the National Flood Insurance Program (NFIP) or a private insurer.
Earthquake insurance covers the cost of repairing or rebuilding your home after a seismic event, which is also not part of most home insurance policies. You can obtain earthquake insurance through a separate policy or an endorsement.
Landslide insurance covers the damage caused by the movement of land due to heavy rain, or erosion, which is usually excluded from home insurance policies.
You can buy landslide insurance as a separate policy or as part of your flood or earthquake insurance.
Sewer backup insurance covers the damage caused by water or sewage that backs up into your home from the public sewer system or your septic tank, which is not covered by most home insurance policies.
You can add sewer backup coverage to your home insurance policy as an endorsement.
Mold insurance covers the cost of removing and repairing mold damage in your home, which is often excluded or limited by most home insurance policies.
You can purchase mold insurance as a separate policy or as an endorsement to your home insurance policy.
Identity theft insurance covers the expenses related to restoring your identity and credit after someone steals your personal information, which is not covered by most home insurance policies.
You can buy identity theft insurance as a separate policy or as an endorsement to your home insurance policy.
Valuable articles insurance covers the full value of your valuable personal property, such as jewelry, or collectibles, that may exceed the coverage limits of your standard home insurance policy.
You can purchase valuable articles of insurance as a separate policy or as an endorsement to your home insurance policy.
Unlocking the Benefits of Supplemental Property Insurance
Cost of Supplemental Property Insurance
Supplemental property insurance costs vary depending on factors like coverage,
Shop around to compare quotes before buying.
How to Get Supplemental Property Insurance
Contact your home insurer to add supplemental coverage.
You may buy a policy or endorsement that covers specific perils or items not covered by your standard policy.
You may also need to shop around for quotes.
Supplemental property insurance can protect you from unexpected expenses not covered by your regular home insurance.
It covers floods, earthquakes, landslides, sewer backups, mold, identity theft, and valuables.
Contact your provider or shop around for coverage.
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