Buying a home is one of the biggest investments that most people make. Protecting that investment is important for your peace of mind. Choosing a great home insurance policy can go a long way in helping. With more than 35 years in business, the team at America’s Choice Insurance Partners in Wixom, MI is uniquely qualified to help you make sure that you have all the home insurance that you need. As an independent insurance agency, they are able to offer a variety of products from multiple carriers.
When looking for home insurance you may think that a typical home insurance policy will cover everything that could possibly happen to your home. You would be wrong. Many things are excluded from your home policy or have very specific limits that may not be adequate for your needs. That is where a rider or endorsement comes in, it gives you the coverage that your basic policy does not.
- Scheduled personal property rider – Your home insurance has set limits for personal property. Within that coverage, it may have limits for things like jewelry and electronics. You can add additional coverage to protect your property that has a value above the standard rate on your policy.
- Sewer back up coverage – Sewer backup is almost never covered on a typical policy. It can cause thousands of dollars in damage and is a rider that is well worth adding to your policy,
- Earthquake rider/sinkhole – Any earth movement is not covered on a typical home insurance policy. If you live in an area where this is a serious possibility this rider is vital.
These are just a sample of the types of riders that you may want to consider adding to your home insurance policy. Give the office of America’s Choice Insurance Partners in Wixom, MI a call or stop by to make an appointment to discuss your home insurance needs.