Also called riders or add-ons, home insurance endorsements are additions to standard home insurance policies. They provide extra protection for certain items or risks. Common endorsements to consider adding to your policy through EasTex Insurance in Tyler, TX, include the following.

• Scheduled Personal Property: This endorsement provides coverage for specific high-dollar items such as jewelry, art, or antiques. These items typically have limits under a standard home insurance policy, so scheduling them separately ensures that they are fully covered in case of damage.
• Flood: Generally not covered under routine policies, some states in storm damage-prone areas require a special policy. Protect property with flood insurance regardless of the area.
• Water Backup Coverage: This endorsement may cover damage caused to personal property, such as electronics and furniture, due to water backing up; water backup coverage can also cover certain structural damage like walls and floors, but a deductible must be covered first.
• Earthquakes: This endorsement covers homes if the earth shakes and damages the home or its contents. Those in areas where earthquakes occur occasionally or more frequently, such as California, should consider adding this coverage to their standard insurance policy.
• Identity Theft: While becoming increasingly popular, identity theft can be costly and time-consuming to correct. This rider covers theft-related fees for goods and legal fees. Eliminate these concerns with ID theft protection from your insurance provider or an outside source.

Looking For Insurance For Your Home?

If so, contact the experts at EasTex Insurance in Tyler, TX, to learn more about coverage options and endorsements. We will help you determine the right policy and add-ons for your home and keep you apprised when it’s time to update or review your policy for optimal protection.