Riders you may want to add to your Florida home

Florida is one of the most popular places to call home. Choosing your home insurance is an important part of the homeowning process. Having an agent you are comfortable with and trust is important.  McCormick Insurance Inc. in Pembroke Pines, FL is an agency you can count on and the entire team will work to make sure you have the best coverage at an affordable price. 

A basic home insurance policy has limitations. Talking to your insurance agent about what is not covered under your policy is important. Just because your policy has limitations, doesn’t mean you can’t be covered for some additional things. You can add a rider to your policy to cover something your policy excludes or has coverage limits which are too low for you. 

Sink Holes

Moving earth is something that homeowners insurance excludes. In Florida especially, sinkholes can be a serious issue. Adding this important coverage to your home policy is an excellent idea. 

Hurricane coverage

Florida is prone to hurricanes and not all home policies have hurricane coverage. With the potential for several hitting the state on any given year, being protected against hurricane damage will give you much-needed peace of mind. 


Floods and flood damage are not typically covered on home insurance. You can get an additional policy to cover flooding but some companies are now also offering flood coverage as a rider. Check with your insurance agent to decide which options work best for you. 

Jewelry rider

Most home policies have a very limited amount of coverage for jewelry. If you have a good-sized engagement ring, you may have already exceeded your policy limit. Make sure you have appraisals on your expensive pieces and then get a ride to cover the amount you need. 

These are just a few of the riders you can add to your basic home policy. Give McCormick Insurance Inc. in Pembroke Pines, FL a call to set up an appointment to make sure you have all the home coverage you need for your Florida home.