Homeowner’s insurance is an important coverage that protects your home in the event of a theft or disaster. However, there are additional coverages that may not be included in your standard policy. Adding these supplemental coverages to your policy only increases your protection and keeps your peace of mind.
Flood Insurance
Floods are the most common natural disaster in the country, but coverage for them is not included in homeowner’s insurance policies. Adding flood insurance coverage can help save you money if your home is damaged in a flood. These policies may vary in price depending on your location, or flood zone. Flood insurance policies may cover the property and the contents of your home. Once a hurricane or tropical storm is named and on a path to the state, some insurance carriers close. A new flood policy may not take effect until after the storm and damage occurs. Adding this coverage preemptively is key to ensuring your assets are covered. Our agents will work with you to get your coverage prepared on time.
Umbrella Insurance
Umbrella insurance is a separate insurance policy that provides extra protection in unseen circumstances. This coverage helps cover the cost of claims that may exceed the limit of your current home policy. It can also help cover legal costs if you are sued for damages to someone else’s property or injuries in an accident. Umbrella insurance gives peace of mind that no matter the obstacle, you and your family will be covered.
Additional Valuables Insurance
A rider, or an add-on provision to your policy, is a way to ensure your most valuable items are protected. Home insurance policies cover the contents of your home to a certain extent, but if you want to make sure that your expensive art, jewelry, and antiques are protected, you can add additional coverage. Our agents will work with you to make sure this coverage is customized to your exact needs.
Talk with Pine Street Insurance Services Agents
Pine Street Insurance Services agents are dedicated to finding you the best rates for your home and supplemental insurance. Call or email us to get a quote from any of our A-rated 35+ carriers on home and supplemental insurance.
