As a homeowner, you want to maintain and protect your investment. A general homeowner’s insurance plan offers a wide range of coverage, from the structure of your home to personal belongings. However, there are some common exclusions to what your insurance policy may cover; exclusions that could ultimately have a negative financial impact should something happen to your home. 

There are countless supplemental insurance policies you can purchase that will offer additional protection for your home. Not only will these take effect in certain circumstances, but when difficulties arise, the homeowner won’t have to bear the financial weight alone. Knowing a policy in place gives homeowners peace of mind. Let the experts at Options Insurance Agency in Hershey, PA help you find the right supplemental policy!

Supplemental Insurance Policies to Consider for Your Home (H2)

Flood Insurance (H3)

One element that is excluded from all homeowner’s insurance policies is flood insurance. If you live in an area prone to flooding, this type of policy is a must. For those in low-lying coastal regions, hurricane insurance is an additional option. 

Most flood insurance policies cover a wide range of home flood situations. For instance, if a pipe bursts in your home, a flood insurance policy can offer coverage where your regular policy would not. Water damage takes a heavy toll on the home and the wallet. A flood insurance policy will bear the brunt of that impact.

Underground Service Line Coverage (H3)

Beneath your home and yard, there are numerous pipes and underground cables that transport water, waste, internet, and cable to your home. As the home and property owner, you are responsible for any damage done to these lines. Outside of your property line, it is the city’s responsibility.

Many homeowners find themselves in a bind after digging in the yard and breaking a pipe or cable. An underground service line supplement policy will help you bear the weight of the financial responsibility.