Sometimes, the favorite and most-requested options for insurance coverage can be found in the small details of the policy. That includes the items below that protect your identity, your electronics, your appliances and your basement - from yucky sewer backups). Talk with your Fortify Group agent for more information on these popular features or endorsements to homeowners, farm owners and renters policies:
Identity Theft Protection – If you bank online, shop online, or communicate online, you’re vulnerable. ID theft robs you not only of privacy, but of the time and money it takes to restore your identity. Identity Theft Protection can be added to a homeowner’s policy, renter’s, auto policy, or farm policy and pays up to $25,000 to cover professional expenses and lost wages incurred to restore your identity. You may also have access to a fraud specialist to guide you through the resolution process.
Backup/water sewer protection – Perhaps the only thing worse than finding standing water or sewage backup in your basement is finding out this indoor disaster is not covered by standard homeowner insurance policies. Water and sewage usually destroy anything they come in contact with, costing thousands of dollars in damage. Through one of our carriers, $5,000 of sewer backup coverage is included in the base policy. The sewer backup limit can be increased to $20,000 with most carriers.
Equipment breakdown – When is a $500 deductible a bargain? When your air conditioner breaks in mid-July or your TV dies on a college football Saturday. By adding equipment breakdown coverage to your homeowners insurance (available with one of the insurance carriers Fortify Group works with) you and your budget are ready for appliance breakdowns, including furnaces, air conditioners, refrigerators, dishwashers, hot water heaters and TVs. Even better news? It often costs less than $10 a month.
Cellular Phones, Computers and Communication Devices – We use to keep valuables at home. But these valuables keep us connected meaning there’s almost no place we won’t drag them...and lose or break them. A Farmer’s Mutual Inland Marine endorsement protects computers, cell phones, iPhones, iPads, iPods, pagers, MP3 players, Global Positioning Systems and more, and for a nominal cost.
