Most Overlooked Personal Insurance Options

13 Most Overlooked Personal Insurance Options

There are many circumstances that, if they occur, they could be financially devastating to you and your family’s well-being. No worries though! Auto and homeowner’s policies have extra coverage options that may be added to your policy to meet your specific needs. The following are the most common additional coverage endorsements that are added to homeowner’s policies.

Back up of Sewer and Drain

Provides coverage for damage caused by the back up of a sewer, drain, or sump pump overflow.

Flood Insurance

Flood coverage is not provided on a homeowner’s policy, it’s a separate policy that we can provide for you. It provides coverage from an overflow of a body of water (lake, stream or river) and surface water (caused by excessive rainfall). You do not need to be in a flood prone area to purchase a flood policy.

Replacement Cost on your Dwelling & your Personal Property

This guarantees the dwelling or personal property will be replaced without depreciation in the event of a total loss.

Identity Theft Coverage

Reimburses you for expenses related to restoring your identity if it were stolen.

Personal Property Schedule

Removes deductible & provides worldwide coverage for jewelry, guns, furs, musical instruments, collectibles, fine art, etc.

Special Personal Property

Provides the broadest coverage available for your home contents.

Earthquake Coverage

Covers the cost to replace or repair your damaged property in the event of an earthquake.  This coverage is excluded on a homeowner’s policy.

Business in the Home Endorsement

Provides liability and/or business property coverage for certain home-based businesses.

Excess Liability (Umbrella) and Increased Liability Limits

Protects your assets in the event you or someone in your household accidentally injures another person or damages their property.

Recreational vehicle coverage

Coverage can be added for Boats, ATVs, Snowmobiles, Golf Carts, etc.


Loan/Lease covers the difference between the amount owed on a lease or loan and the amount normally paid by a car insurance policy at the time of a total loss.

Rental Reimbursement

Covers up to a specified amount for a rental car while your car is being fixed after a covered loss.


Covers towing of your vehicle, up to a specified limit.

Contact us today to discuss these coverages in more detail, or if you have any questions about your existing policy.