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Supplemental coverage is just that: coverage that goes above and beyond the standard limits of your policy. But don’t make the mistake of thinking it’s just a nice-to-have for those who have the luxury of affording it.
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For many people, supplemental coverage is a must. Homeowners insurance covers standard risks, but your lifestyle may include things that aren't considered to be standard risks by the insurance companies. You might have a taste for rare stamps, or antiques. You might love living in California, despite the risk of earthquakes. Or—lucky you—maybe you’ve retired to your own private island, enjoying the sand and surf and willing to risk the occasional flood in paradise.
The fact is, you shouldn’t have to worry about whatever it is that makes you unique. Insurance options are out there to help you take care of the things that are precious to you. The key is in seeking out the appropriate supplemental coverage for your policy. In this section, you’ll learn about:
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