As a homeowner, you have a lot of things to think about. Having the right home insurance is one of them. Most people don’t take the time to read their home insurance policy to see all the limits on the coverage. They just assume that they have the coverage that they need. This can be very dangerous, and it is too late to find out when you file a claim that you don’t have enough or the right kind of coverage. At the Richards Insurance Agency in Lincoln, NE, we treat our customers like family, and we ask the right questions to get to know them and their needs. 

Jewelry rider

The typical home insurance policy has fundamental limits for jewelry. You don’t want to wait until you lose your engagement ring to find out that your coverage is not going to be nearly enough to replace it. If you have more than just costume jewelry, you should take a good look at your insurance policy and determine if it will cover what you have. With a jewelry rider, you can get the coverage you need, but it helps if you have appraisals for your important pieces. 

Sewer backup

Yuck, what could be worse than having a sewer back up into your home?  Not having the coverage you need to get it cleaned up!  Most policies need to have a rider in order to cover you for this type of water event. 

Identity Theft

Unfortunately, this is an all too common occurrence and is not covered under your basic home policy. The rider will help help you get your life back together after your ID has been stolen.  

At Richards Insurance Agency in Lincoln, NE, we want to help you make sure that your home insurance gives you all the coverage you need. Give us a call or stop by our office to discuss your home insurance needs.