Homeowners' insurance can provide you with a piece of mind by protecting your house and financial interests.
The amount of coverage provided by homeowners insurance varies as per the policy.
However, home insurance policies do not cover everything, and you may need to acquire an insurance rider to have the complete coverage you require.
A homeowners insurance rider complements a homeowners insurance coverage.
A rider is an extra coverage that comes at an additional expense to cover things that are either not covered by your insurance or are not adequately covered by your policy.
Your homeowner's insurance coverage, for example, may cover lost or stolen personal items. However, you may not have sufficient coverage to replace an engagement ring.
A scheduled personal property rider can give you additional coverage for particular objects of high value that your base insurance may not cover.
Scheduled personal property riders are commonly used to expand coverage for items such as art, antiques, and jewels.
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