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Additional Homeowner's Insurance Coverages
Sometimes, your homeowner's insurance policy won't cover everything you might want or need. It is a good idea to understand what is or isn't included in your policy, and then to consider additional home insurance coverages to ensure you are fully covered. You don't want to end up in a situation where you think your insurance will help make you whole again, only to find out that you are not covered for that peril.
Flood Insurance
- Floodsmart.gov - Official website of the National Flood Insurance Program
FEMA Flood Map Service Center
(MSC)
- an intuitive and user-friendly source of information for the general public and a powerful flood hazard product portal for those working in flood insurance, hazard mitigation, and floodplain management.
Extra Contents Coverage
Replacement Cost
Personal Property Extensions of Coverage
Earthquake Insurance
No standard insurance policy, including the homeowner's policy, covers catastrophic damage that can be caused by an earthquake. For an additional premium, companies offer an earthquake endorsement with your homeowner's policy that will protect you in case your home suffers earthquake damage. In some areas, this coverage is typically inexpensive and should be considered. This is the case for South Carolina; despite the fact that fault lines do run through the state, earthquake activity is infrequent. To learn more about earthquake coverage, review our Earthquake Coverage guide here.