Although computers may be covered under normal conditions of property protection, it may not be enough. Many businesses operate from home and the loss of a computer may seriously damage the home's income. As a result, precious belongings like jewelry, antiques and silverware may not be adequately covered. Each Scheduled Endorsement covers a specified item listed along with its value. Much like Guaranteed Contents , depreciation of value is not a factor.
Scheduling can increase premiums significantly.
Home Daycare is necessary if you operate such a business in your house. Earthquake may be added as an endorsement. It protects against damage incurred from an earthquake, tremors and aftershocks. However, an Earthquake Endorsement does not cover a flood due to an earthquake. However, it does not cover you if you own the business.