Buying a new home is exciting, but protecting your investment means having the right homeowners insurance policy in place. Along with basic coverage, some endorsements or riders can be added to customize your insurance. Below are five riders to consider.

What Are the Best Endorsement Options for Your Home Insurance?

1. Sewer

Many homeowners insurance policies will have some water damage coverage, usually relating to frozen pipes, water heaters, or even problems stemming from ice, snow, and sleet weighing down and damaging your structure. You may consider adding sewer backup coverage to your existing policy in the event your sewer system overflows into your home. Not only does it protect your home from water damage, but it also safeguards your property and personal belongings from contaminated sewer water.

2. Personal Items

There are limitations on what regular policies will cover regarding personal property such as jewelry, art, and more. You can increase coverage with an additional rider. Money, firearms, and even business-related items can be included so that in the event of damage or theft, you can recoup more. Some personal property requires an appraisal, such as jewelry, before more coverage is allotted.

3. Construction

This endorsement is most useful if you are planning construction, and your home will be vacant for some time. Some homeowners insurance companies may cut coverage if you aren’t living there because the risk of vandalism, theft, fire, and weather-related trouble increases in an empty house. Adding dwelling under construction riders will protect your coverage.

4. Mold

Some policies will have stipulations in place that mold damage will be covered if there is loss directly related to mold trouble. Costs for testing and replacing sections torn out during remediation may also be insured. Many policies max out around $5,000, but you may opt to purchase more to protect against larger issues.

5. Spoilage

Just when your fridge and freezer are filled with groceries, a huge storm knocks out the power, and everything spoils. Replacing everything that must be tossed can lead to a big expense. A food spoilage rider can reimburse you for your loss. If you live in an area susceptible to lengthy outages from storms, this can be beneficial.

For help deciding on your homeowners insurance, call Farmers Insurance Group. Based in Mountain Grove, MO, we have more than 15 years of experience helping clients find the right policies to suit their needs. From life and auto insurance to business and farm liability insurance, we offer an array of protection options to suit your budget. Call (417) 926-7900 to speak with an insurance agent or visit our website for more on our policy offerings.