There are many optional endorsements that can be added to your homeowner’s policy that will better protect you. For of the most common and beneficial include these four:
- Service Line: Did the plumber say you had to dig up the front yard because your pipes needed repaired? This endorsement provides coverage against unexpected expenses related to the damage of “service lines” on your property. These can include power lines, phone and cable lines, water and sewer pipes, and others.
- Equipment Breakdown: This endorsement covers appliances, heating and air conditioning systems and other equipment when they break down due to mechanical or electrical failures. It does not provide coverage for wear and tear.
- Water and Sewer Back-up: This provides coverage for your home and personal property that is damaged by water due to discharge or overflow from a sewer or drain, a sump pump or related equipment.
- Sinkhole: This endorsement provides coverage for damage to your home, other structures on your property as well as personal property within the structures if they incur damage due to a sinkhole on your property.
If you’re curious about any of these – or your policies in general, our team would be happy to help.
