Home insurance protects you against many perils, including theft, fire, vandalism, and so forth. Unfortunately, just like other coverages, home insurance isn’t entirely perfect- it has limitations and exclusions. For this reason, you need add-ons (endorsements) to boost your home insurance coverage. 

If you are in The Woodlands, TX, and would like to get the most out of your home insurance policy, Outdoor Insurance Services shares add-ons to consider for your home insurance coverage.

Flood damage

Typical home insurance doesn’t protect your home against natural water flooding. If you live in a flood-prone area, you need to invest in flood insurance to protect your home against flooding that can cause costly damages.  

Umbrella insurance

Umbrella insurance provides extra protection when your home insurance liability coverage runs out. For instance, if someone falls off your balcony and sustains severe head injuries, umbrella insurance can help cover medical costs and possible lawsuits when your liability coverage is exhausted.

Jewelry and valuables coverage

While your home insurance protects your high-value items like art, jewelry, and fur, the protection is limited. As such, you need to consider a rider to protect your high-value items from perils like theft and fire. 

Underground services line

If damage occurs from the underground utility lines on your property, home insurance doesn’t cover you. That said, you need an endorsement to protect you when tree roots or over-age service lines cave in and cause damage to your home. 

Earthquake coverage

Without an earthquake endorsement, you may have to incur out-of-pocket expenses to repair your home and remove debris when an earthquake strikes. If your house is located in an earthquake-prone area, you need this endorsement for optimal protection. 

Home insurance in The Woodlands, TX

Would you like to boost your home insurance plan with additional riders? Please contact Outdoor Insurance Services for an affordable quote.