Homeowners insurance companies are taking steps to further differentiate themselves in the marketplace by offering some new coverages or enhancements that you may want to discuss with your agent.
Home equipment breakdown – This often inexpensive endorsement can provide coverage for mechanical breakdown for systems and appliances, including water heaters and HVAC systems.
Service/sewer line coverage – For many years, homeowners insurance provided coverage only for inside the house, not from the house to the off-premises connection. Ask your agent if your homeowners insurance company offers an endorsement to provide coverage for the sewer line from the outside of the house to the road or connection point.
Home cyber – Data breach coverage isn't just for businesses. Homeowners are susceptible to malware, phishing schemes and ransomware attacks to a computer, smart phone, entertainment/gaming system or smart appliance. Newly expanded homeowners insurance products can often be added at little expense and provide an extra layer of financial protection.