Common home insurance riders you may want to add

Deer Park calls itself “The Birthplace of Texas” due to its location near the site of the Battle of San Jacinto. It is also in the metro Houston area giving it access to all the attractions that Houston has to offer. Homeownership in Deer Park, TX is very desirable. But when you own a home, lots of things can weigh on your mind when it comes to protecting it. Shell Insurance Agency can help to ease your mind with our years of experience in all things home insurance. Basic home insurance is fine, but there are some standard home insurance riders that you may want to add. 

Jewelry rider

A jewelry rider is the most common of the home insurance riders. Most home policies only cover $1,000 for jewelry. If you have an engagement ring, chances are $1,000 is not even going to cover the replacement of that, let alone anything else you have. Keep in mind that the $1000 is not per person, it is total. Watches are considered jewelry as well, so if both you and your spouse have a nice watch, you are going to need a jewelry rider. 

Antiques and fine art

You may have inherited some antiques or fine artwork. You should have them appraised, and in most cases, you will need a home insurance rider to protect them from loss. Oriental carpets would also fall under this type of coverage. 

We can help you if you are a new homeowner, and if you currently have a policy, we can evaluate it for you and make sure that you are getting the coverage you need. Shell Insurance Agency will give all residents of the Deer Park, TX area the benefit of our team’s knowledge of home insurance riders. Stop by our office or give us a call for a no-obligation quote.