Month: March 2025

Every home insurance policy includes standard terms that identify covered perils. These terms outline what the policy covers and doesn’t cover, as well as the claim limits. In most instances, you can extend the policy by adding riders that cover additional perils or increase the claim amounts. Whether referred to as riders, amendments, endorsements, or floaters, these additions help customize the policy to your specific needs. If you require a home insurance policy that better fits your needs, consider contacting The Pivotal Insurance Agency LLC, serving the Louisa, VA, community.

Common Home Insurance Add-Ons

While homeowners pay for riders, they are a worthwhile investment that ensures your assets are protected against loss. Some of the most valuable riders for homeowners include:

Water and Sewer Backup

Standard home policies do not cover water and sewer damage that occurs inside your home. This rider provides that coverage.

Underground Service Lines and Equipment

Standard policies do not cover your water, sewer, and cable lines, nor do they cover electrical, plumbing, and HVAC system failures. This rider adds that coverage.

Scheduled Items

This rider is worth considering if you own jewelry, collections, or antiques worth more than several thousand dollars.

Guaranteed Replacement

This rider pays the full cost to repair your home, not just its depreciated value.

Ordinance or Law

This rider pays to bring your home up to electrical and other codes following a loss.

Identity Theft

This rider covers wages, legal expenses, and other costs related to identity theft.

Business Assets

This rider covers the assets of your home-based business.

The Pivotal Insurance Agency LLC Advantage

Riders offer protection by adding coverage based on the nature of your assets and your desire to mitigate certain risks. The Pivotal Insurance Agency LLC, serving those in and near Louisa, VA, can structure an insurance plan to suit your needs. Visit our office today or call us at (540) 967-8770.