Why These Coverages Are Important to Every Homeowner

Owning a home brings comfort, pride, and security, but it also comes with responsibilities and risks. Standard homeowners’ insurance offers excellent protection, but some losses require special coverage that many people overlook. Here are six important coverages every homeowner should understand and consider adding to their policy.

Earthquake Coverage

California is beautiful, but it is also an earthquake-prone area. Most standard homeowners’ insurance policies do not cover damage caused by earthquakes. A separate earthquake policy can help pay for repairs to your home, replace belongings, and cover temporary living expenses if your home becomes unsafe.

Tip: Even if you are not near a central fault line, more minor quakes can still cause costly structural damage. Earthquake coverage offers peace of mind and financial security.

Water Backup Coverage

Water backup from a sump pump or sewer line is distinct from flooding and is not typically included in a standard homeowners’ policy. Water backup coverage helps pay for cleanup and repairs if water or sewage backs up through drains or pipes into your home.

Tip: A small addition to your policy can save thousands of dollars and prevent major disruptions to your daily life.

Identity Theft Coverage

Identity theft can happen to anyone. When it does, resolving fraudulent activity and restoring your credit can take months. Identity theft coverage assists with expenses such as legal fees, lost wages, and restoration services to get your financial life back on track.

Tip: Protecting your personal information is important, but having backup coverage ensures you are never alone if your identity is compromised.

Jewelry Coverage

Most homeowner’s policies limit the amount they will pay for lost or stolen jewelry. If you own valuable rings, watches, or collections, adding a jewelry rider or endorsement ensures you are fully protected.

Tip: Schedule your jewelry items individually and keep updated appraisals. This helps guarantee accurate coverage for their full value.

Art Coverage

Fine art, sculptures, and collectibles hold both financial and sentimental value. These items often exceed the personal property limits in standard homeowners policies. Art coverage provides tailored protection for damage, theft, or accidental loss, whether the pieces are in your home or being transported.

Tip: Work with an agent who understands art valuation and specialized policies designed to safeguard high-value collections.

Loss of Use Coverage

If a fire, storm, or other covered event forces you to leave your home temporarily, loss of use coverage pays for additional living expenses such as hotel stays, meals, and transportation while your home is being repaired.

Tip: This coverage ensures you can maintain your lifestyle and comfort during a difficult time without worrying about out-of-pocket costs.

These specialized coverages are more than optional extras they are vital tools that help protect your financial stability, your peace of mind, and your most valuable possessions. Every homeowner’s needs are different, which is why it is important to review your policy with a trusted insurance professional.

Since opening our doors in 1975, Valley Oaks Insurance Agency has been dedicated to providing top-of-the-line insurance solutions to businesses and individuals in Roseville, Sacramento, Rocklin, Lincoln, and surrounding areas of California. Our team is filled with dedicated and hardworking agents, and our staff possesses 100 years of collective experience in the insurance industry.

Please contact us or give us a call to learn more. You can also request a quote if you’re ready to start on a policy.

Valley Oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA. We also serve other areas in the state.

The information shared in this article is provided and written on an opinion basis, and for informational purposes. It solely represents the opinions of Valley Oaks Insurance.

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