If you’re on the market for a home insurance policy in Charlotte, NC, you have a lot of decisions to make. One of the issues you’re going to have to decide on for your policy is what add-ons you want to your standard policy coverage.
The following are three home insurance add-ons to consider if you’re purchasing home insurance from a provider like us at Hausmann Insurance & Financial Services.
Sewer backup coverage
A sewer backup can cause extensive damage to a home. At the same time, coverage for such damage is not always included in a standard home insurance policy. Therefore, sewer backup coverage is a type of add-on coverage that you should consider when you purchase home insurance.
Flood damage coverage
Homeowners need to understand that many standard home insurance policies don’t offer coverage for flood damage. This type of coverage must be added on.
If you live in a part of the country that is prone to flooding, flood damage coverage is essential. You need to look into flood damage coverage options and invest in add-on coverage for floods so that this type of damage doesn’t cause severe financial burdens for you and your household.
Watercraft endorsement coverage
If you own a boat that you store on your property, you might want to consider adding a watercraft endorsement to your policy. This endorsement means that damage to your boat will be covered. This coverage can also include any liability expense you experience that will pay for damage your boat might cause during use.
Do your research to find the right home insurance policy in Charlotte, NC. At Hausmann Insurance & Financial Services, we’re here to help. Get in touch with us to learn more about our policy offerings.