What Should My Homeowners Insurance Include? 
Most clients opt for minimum coverage and yet there are coverages that might be applicable to you that could save thousands of dollars . The first thing to consider is that neither flood , nor earthquake are covered . 25 % of property damage in the USA is caused by . . flood . Even if you are in a dry area consider getting a flood endorsement or policy . Earthquake coverage must be offered so the details about that coverage are normally available . Water damage from sewer back-up is a vital coverage particularly to older homes . Older homes also need coverage for ordinance changes that mean that your home would be more expensive to repair if there is a partial loss . A careful inventory of your personal property would probably uncover value that isnt covered by the policy . There are restrictions on several categories of propertywatch out . The last that I will mention is probably the most important , opt for the highest liability coverage that you can get from your company and then inquire into an umbrella . A lawsuit will ruin your weekend !!! 