Home Insurance -Add Ons
As a homeowner, you understand the importance of having reliable insurance coverage. Basic homeowners insurance covers just that... the basics. What about: Renting out your home on Airbnb, you run a small business from your home, or have valuable items like jewelry or art that require additional protection? At W.E. Davis Insurance Agency, we offer specialized coverage options to help safeguard your home, assets, and peace of mind. Explore our coverage for Airbnb rentals, scheduled articles, identity theft, home-based business and more to find the protection you need.
Special Home Insurance Coverage
Do you have unique assets that might require more than just standard insurance coverage? Perhaps you frequently rent out your home on Airbnb or run a business out of your home. Maybe you have valuable items like art or jewelry that need extra protection. Or you may be concerned about the rising threat of identity theft. Whatever your situation, W.E. Insurance Agency offers specialized coverage options to help protect you. Take a look at our Optional Home Coverage to see if any might work for you.
Our Recreational Vehicle Insurance Coverage Options
Airbnb
Do you rent out your home on Airbnb or similar platforms? If so, you are operating a small hotel and home insurance EXCLUDES business pursuits. This coverage provides protection for your liability if a renter or their guest were hurt, lost rental income, and damage caused by a renter, giving you peace of mind knowing that you're fully protected while generating income from your property.
Scheduled Articles
Some items like jewelry, silver or collectables are limited under the basic homeowner policy. Specialized coverage for scheduled articles includes high-value items like antiques, jewelry, and fine art. They are covered for their appraised or purchased value. With this coverage, you can rest assured that your valuable possessions are fully protected against accidental damage, mysterious disappearance, or theft.
Identity Theft
Are you worried about a hack of your personal data? Identity theft coverage provides protection against financial losses resulting from identity theft. We pay for the costs of getting your identity back including attorney fees, costs for new loan applications and lost wages. But most important - this coverage provides Advocacy Services so you can call an 800 number if you are hacked and get expert advice on how to limit your losses and proceed with confidence.
Home-based Business
Do you work out of your home? Do you sell Tupperware, Mary Kay, Avon or similar MLM products? Do you repair cars or other items from your home and charge a small fee? Do you sell items on the internet? If so, you are running a business out of your home and basic Homeowners Insurance EXCLUDES business pursuits. Home Based business insurance offers liability coverage for your business operations and can cover your business contents that are excluded or severely limited under basic home insurance.
Flood
Water which rises above your foundation is a flood and EXCLUDED under basic homeowner insurance. Flood insurance provides protection for your home and contents against damages caused by flooding. (Not sewer back up) This coverage can be critical for homeowners even if you are not in a flood-prone area, providing financial money for repairs and replacement of damaged property. This coverage is insured through the Federal Government Flood Insurance Program.
Reach out to our team at W.E. Davis to customize your Home Insurance.
Family Owned and Operated Since 1938.
A Family team that will make a difference in how you see insurance. Let our years of experience, knowledge and hard work ethic play in the role of choosing the right protection for your home, auto, business,
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