On top of your standard options, you’ll likely need more individualized protection.
Umbrella Coverage: This enhances your existing liability coverage with higher financial limits. It can also cover items excluded from your standard coverage.
Scheduled Items Coverage: This provides specific protection for specialty items, such as jewelry, fur or art.
Identity Theft Coverage: This protects the losses you may encounter following identity theft. It may also pay for identity recovery options.
Flood Coverage: Standard homeowners insurance doesn’t cover floods. However, you can buy supplemental flood insurance to protect you with this to give you peace of mind.
Water Backup Coverage: This covers damage from sewer, drains or septic tank damage.
Earthquake Coverage: Damage from earthquakes may not have coverage under standard policies.
Pet Liability Coverage: If you have a pet, it could damage someone else’s property or injure them. Make sure your liability insurance addresses their risks to others.