A traditional home insurance policy generally includes some basic coverage that all home policies have. You determine the amount of coverage for different aspects of your home. You can choose the type of content coverage you have and the liability coverage your policy provides. At Rowledge & Falvo Insurance Agency in Scotia, NY, we personalize your policy to meet your needs and ensure you understand which carriers provide the coverage you need.
Guarantee Replacement Cost
Though one of the more expensive endorsements, this is also one of the most valuable. Given the unpredictability of building costs, your basic home coverage may not suffice to replace or repair your home to its pre-peril condition and quality. This coverage guarantees that you will have your home completely replaced.
Identity Theft Coverage
Having your identity stolen is a nightmare. While this coverage won’t restore any cash stolen from your bank account, it can assist with fraud protection and help restore your name and credit. Additional options can be added to this coverage; consult your agent about what is available from your carrier.
Scheduled Personal Property Coverage
Some categories of personal property have limits under a traditional home policy. This includes items like electronics, jewelry, and art. The limits are relatively low and might leave you with insufficient coverage. With this endorsement, you can increase a category to the level you require. If you need more coverage for more than one specific item, such as several fine pieces of jewelry, you will need to increase this coverage.
In Scotia, NY, Rowledge & Falvo Insurance Agency provides all the necessary insurance information and assistance. Contact our office today to discuss your home insurance requirements.
