What riders can I add to my basic home insurance policy?

As a homeowner, you have a lot of things to think about. Having the right home insurance is one of them. Most people don’t take the time to read their home insurance policy to see all the limits on the coverage. They just assume that they have the coverage that they need. This can be very dangerous, and it is too late to find out when you file a claim that you don’t have enough or the right kind of coverage. At the Richards Insurance Agency in Lincoln, NE, we treat our customers like family, and we ask the right questions to get to know them and their needs. 

Jewelry rider

The typical home insurance policy has fundamental limits for jewelry. You don’t want to wait until you lose your engagement ring to find out that your coverage is not going to be nearly enough to replace it. If you have more than just costume jewelry, you should take a good look at your insurance policy and determine if it will cover what you have. With a jewelry rider, you can get the coverage you need, but it helps if you have appraisals for your important pieces. 

Sewer backup

Yuck, what could be worse than having a sewer back up into your home?  Not having the coverage you need to get it cleaned up!  Most policies need to have a rider in order to cover you for this type of water event. 

Identity Theft

Unfortunately, this is an all too common occurrence and is not covered under your basic home policy. The rider will help help you get your life back together after your ID has been stolen.  

At Richards Insurance Agency in Lincoln, NE, we want to help you make sure that your home insurance gives you all the coverage you need. Give us a call or stop by our office to discuss your home insurance needs. 

Benefits of a Home Insurance Policy

Home Insurance Benefits

You’ve worked hard to have a home of your own. Now you need to protect it from threats like fire, severe weather, and other known perils. 

Your lender may require you to carry a certain amount of insurance while you have a mortgage. Whether required or not, home insurance offers you many benefits. Consider the policy to be financially protected should the unthinkable occur. Damage from fires and other perils are very costly to repair or replace if the home should be effected. Our team at Richards Insurance Group are ready to work with homeowners in the Lincoln, NE area to help them understand their insurance options. 

What can Home Insurance Do?

Home insurance not only protects the physical house, but it also covers the home’s contents. It will also include any buildings or structures on the property, such as pergolas, fencing, or sheds. For valuable collections, such as firearms or artwork, additional coverage may be needed. The liability portion of the policy will protect you if someone is injured in an accident on the property and you are deemed responsible. Should they decide to take you to court, the legal expenses and medical bills can be challenging to handle. Our agents will help you have a clear understanding of everything that is covered by the policy and, more importantly, what isn’t.

What does Home Insurance not Include?

Most home insurance policies will not cover flooding or earthquakes. These situations need to be handled by a separate policy which you can obtain in a flood or earthquake policy.

Should a disaster occur, personal belongings and the contents of the home will be covered. If your house is not habitable or has been destroyed, the home insurance policy will cover your expenses on hotels and restaurants until you can return. Our team at Richards Insurance Group knows you want to protect the investment in your home in the Lincoln, NE area. Visit our website to use our online rating tool for quotes on home and auto insurance. Reach out to our agents to have your questions answered.