For many homeowners, a standard home insurance policy is sufficient to cover their house and personal goods. If you own expensive items, however, you may need more coverage than what a standard policy has to offer. At Thompson Insurance Services, we can help you select a policy that provides the protection you need. The right insurance coverage is essential to safeguarding your home in Highland Village, TX along with the valuable possessions you hold dear.

Home Insurance Riders

Standard home insurance policies come with limits on the coverage they provide for personal belongings. If you have valuables that exceed these limits, a standard policy won’t be enough to protect these goods fully. You can, however, add an insurance rider to your policy to boost coverage of valuable items. In the event of theft or loss, you will have coverage to replace these goods by the expanded limits on your rider.

What Items Can be Protected by Riders?

Pricey goods to include may be antiques, artwork, coin collections, gun collections, posh jewelry, costly office equipment, comic books, and electronics. These can be covered by a rider to make sure they are insured at full value. You may want to have antiques, heirlooms, artwork, and other pricey goods professionally appraised to validate their worth, in the event you ever have to make a claim. You should also make an inventory of all your possessions, with particular emphasis on valuable items, to have an up to date record of what you own along with an accurate accounting of personal valuables.  

Selecting the right home insurance policy will give you peace of mind that your home and belongings are adequately protected against any eventuality. For greater insight on home insurance options and costs, contact us at Thompson Insurance Services in Highland Village, TX.