I'm buying my first home at this time. I've been reading extensively about homeowner's insurance and some of its woes. I have a wife and 3 young children.
I'd like to know what endorsements/riders you all have or would recommend putting on a policy. All my quotes so far have been for "broad perils" policies.
I recently read an article on WCI that described a horrible situation where $16K of damage wasn't covered because it was caused by an overflowing toilet. My kids have been known to shove toys down the toilet, requiring me to remove the toilet to get the toy out. So I've already made sure to include the sewage backup rider.
Open to other thoughts, suggestions, our discussion. Thanks!
I'd like to know what endorsements/riders you all have or would recommend putting on a policy. All my quotes so far have been for "broad perils" policies.
I recently read an article on WCI that described a horrible situation where $16K of damage wasn't covered because it was caused by an overflowing toilet. My kids have been known to shove toys down the toilet, requiring me to remove the toilet to get the toy out. So I've already made sure to include the sewage backup rider.
Open to other thoughts, suggestions, our discussion. Thanks!
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