It is difficult to get a home owner insurance price quote for a straight home owner insurance policy because there is virtually no “straight” home owner insurance policy. The home owner insurance policy you purchase is going to be tailored to fit your needs; therefore, your home and its contents, as well as your lifestyle, your pets, and your valuables must be considered before you can get an accurate home owner insurance price quote. This is a good thing, as you want a home owner insurance policy customized only for you and not a home owner insurance policy designed for generic purposes.
You may have valuables that are not covered under normal home owner insurance policies, or valuables that are covered under normal home owner insurance policies but not to the extent you would like for them to be covered. You may own many expensive pieces of jewelry, an antique set of silverware passed down through your family, a rare gun collection, or even a couple of furs you have collected throughout the years. These kinds of pricey, sometimes irreplaceable items would require an endorsement to your home owner insurance policy, and would modify your home owner insurance price quote.
Purchasing endorsements for your home owner insurance policy does not just protect them from being stolen; it also protects them from damage. For example, you may purchase an endorsement that would repair a favorite pair of earrings if one of the stones falls out.
If you own precious items such as these, you should consider purchasing home owner insurance policy endorsements. While home owner insurance endorsements will most likely increase your home owner insurance price quote, you will be able to rest assured that you and your valuable items are protected. And after all, isn’t that what a home owner insurance policy is supposed to do? Protect you and your home and everything in it from theft and damage? Yes.