I recently had a discussion with one of our homeowners adjusters and asked him. What are the two biggest coverages you feel that the clinets over look and should really obtain on their homeowners policies?
It was simple. 1) Replacement cost and 2) Back up of Sewer and Drain coverage.
These two valuable coverages can really help when it comes to how well you are covered at the time of a loss.
Replacement cost is so important as this comes in a time of a loss and you need to rebuild. It allows you the correct monies to rebuild, replace, or repair your dwelling along with your personal contents.
The other coverage is Back up of Sewer and Drain (BUSD). When you have water/sewer back up through your drains into your home it can cause significant damage which includes clean up of hazards matter. Especially if you have a finished basement.
For not much more premium having these two coverages can really sidestep a headache for you if or when that time comes and you have a loss.
Therefore, if you are not sure you have these two items on your homeowners policy. Dig your policy out and look for those endorsements. If you still cannot find them and you just want someone to review your policy we will be happy to assist you. If your already a client just come in for your Farmers Friendly Review.
My promise to my clients isn’t to just sell you a policy but to offer you sound advice and educate what your policy may or may not contain.
Stop by or give one of our agents a call we are here for you. 740-355-0888.