The Sneaky Gaps Most Homeowners Miss

Home insurance protects a lot—but not everything. Some of the things you’d think are covered might not be unless you add extra protection.

• Floods: Regular home insurance doesn’t cover rising water. You need separate flood insurance for that.

• Water backup: If a drain or sewer backs up, that usually needs an add-on.

• Valuables: Expensive jewelry or collectibles might have low limits.

• Home businesses: If you work from home or rent out part of your house, your policy might not protect that part.

These extras are called endorsements (also known as add-ons). They don’t cost much and can save you thousands.

Call (214) 870-4269 to find out what’s missing from your policy.