Home insurance is not one size fits all. Every home and homeowner is different and has different needs when it comes to their coverage. If you live in the Ball Ground, GA area you can feel confident talking to the agents at The Sanford Group. They are independent agents which means they can offer you a variety of options from different companies. They can custom fit your policy to your property.
Typically, the personal property coverage on a home insurance policy has limits not only on the total amount but also on individual categories. If the jewelry limit is $1500 and your engagement ring is valued at $3000, you would only get the listed limit. You should add a jewelry rider if this is the case or perhaps a scheduled personal property coverage which would cover additional higher value items beyond just jewelry such as art, antiques, oriental rugs and collectibles.
With all the electronics that most people have these days, it is important to make sure that you are adequately covered. Check the amount that your policy covers and if you need more, you can add a rider. It is better to be safe than sorry.
While most homeowners who need flood insurance purchase it through National Flood Insurance Protection, a few private insurance companies do offer flood coverage as a rider. One benefit of the private coverage is that it gives you loss of use coverage so that you can afford to stay somewhere else while your home is being repaired.
Sewer back up
What could be worse than having your sewer back up into your home? Nothing. It can be a broken or blocked pipe or a failure of your septic system but no matter what the reason, you need to check your policy for this coverage and if it is missing, add an endorsement.
Getting the right coverage from your home insurance is vital. Give the office of The Sanford Group of Ball Ground, GA a call and come in to talk to one of their agents. Your peace of mind depends on it.