Home insurance is the single best thing you can have to protect your investment. Even after your home is paid off, Biddle-Shaw Insurance Services Inc., serving San Francisco, CA, recommends retaining your home insurance so that your primary residence is protected in the event of unfortunate events. In addition to your primary home insurance, riders are available to extend that protection. Here are some of the most helpful ones to consider.
Identity Theft Restoration Rider
The number of identity thefts in this country has gone up at alarming rates. Unfortunately, having good credit makes you a more attractive target for this type of crime. But you can add an identity theft restoration rider to your home insurance policy with Biddle-Shaw Insurance Services Inc., serving San Francisco, CA. This protection would help cover the legal costs of restoring your identity.
Building Code Coverage
If your home incurs some damage where you need to file a home insurance claim, the policy can pay out to restore your home to its original condition. But if your home’s original condition wasn’t up to the current building code in your state, you’ll have to pay the contractor the difference to bring your home up to code. With a building code rider, your policy benefit will include that cost, and you won’t be out of pocket for the difference.
Consider adding a jewelry rider if you keep valuable jewelry in your home. In the event of theft or other covered occurrence, you could get back the true value of your jewelry rather than the limited amount offered with a plain home insurance policy.
Home insurance riders may prove helpful to you. Contact Biddle-Shaw Insurance Services Inc., serving San Francisco, CA, for more information about adding riders.