{"id":1464,"date":"2012-08-28T15:24:07","date_gmt":"2012-08-28T19:24:07","guid":{"rendered":"https:\/\/rtcinsurance.wordpress.com\/?p=628"},"modified":"2013-07-10T21:03:10","modified_gmt":"2013-07-11T01:03:10","slug":"florida-home-insurance-quote-optional-endorsements","status":"publish","type":"post","link":"http:\/\/rtcinsuranceadvisors.com\/blog\/florida-home-insurance-quote-optional-endorsements\/","title":{"rendered":"Florida Home Insurance Quote \u2013 Optional Riders or Endorsements"},"content":{"rendered":"<p align=\"justify\">When you request a <a href=\"http:\/\/rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm\" target=\"_blank\"><strong>Florida Home Insurance Quote<\/strong><\/a> from an agent, it\u2019s a good idea to have your current policy handy so that you can compare your new Florida home insurance quote to your current Florida homeowners policy for similarities and differences.\u00a0 An HO-3 Special form is the most commonly sold home insurance policy in FL.\u00a0 Chances are you have this type of policy, unless you own a condo or rent out your house.\u00a0 That being said, the main components of the policy will be very similar.\u00a0 However, your policy may have optional endorsements that are not included in the newly quoted policy.\u00a0 An agent would need you to indicate what endorsements you have so they can either be added to the new quoted policy or ruled out as unnecessary.\u00a0 Endorsements or riders\u00a0can be found on your declarations page.\u00a0 But, what are endorsements?<\/p>\n<h2 align=\"justify\">Endorsements are Added to Your Florida Home Insurance Quote<\/h2>\n<p align=\"justify\">An endorsement or a rider \u00a0is additional coverage item that help to customize or further enhance a Florida home insurance policy to best suit a customers needs.\u00a0 However, you may find you are paying for coverage that you don\u2019t want.\u00a0 Common endorsements include, but are not limited to; inflation guard, identity theft, water back-up, and replacement cost for contents.\u00a0 Inflation guard increases the limit or dollar amount of insurance you have on your home to keep pace with inflation.\u00a0 As we experience inflation, the cost to rebuild your home may rise.\u00a0 This endorsement helps to ensure you will have enough coverage in the event of a loss in the future.\u00a0 Another example of an endorsement could be scheduled personal property.\u00a0 Do you have expensive jewelry or furs?\u00a0 Well, a homeowners policy will pay up to a certain amount for theft of such things.\u00a0 The limits are usually low, and can be increased to a limit more desirable to the policyholder.\u00a0 Any added endorsement will cost you additional premium.\u00a0 If you don\u2019t need certain endorsements, it\u2019s never a bad idea to review the endorsements you are paying for and eliminate them.\u00a0 It\u2019s RTC Insurance Advisors recommendation to keep major endorsements such as personal property replacement cost.\u00a0 This endorsement will eliminate depreciation deductions for personal property in the event of a loss.<\/p>\n<p align=\"justify\"><a href=\"https:\/\/rtcinsuranceadvisors.com\/\">RTC Insurance Advisors<\/a> will help you compare your current policy to your new <a href=\"http:\/\/rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm\" target=\"_blank\"><strong>Florida Home Insurance Quote<\/strong><\/a> and explain what endorsements\u00a0are available to you\u00a0so you\u2019ll be able to decide if the endorsement is necessary or not.\u00a0 Get your no obligation Florida Home Insurance check-up today.\u00a0 Call us at <strong>352-200-2066<\/strong> or get your online quote now.\u00a0 You will be glad you did.\u00a0 We uncover savings everyday and want you to free up more of your hard earned money.<\/p>\n<p><script type=\"text\/javascript\">\/\/ <![CDATA[\nvar __machform_url = 'https:\/\/rtcinsuranceadvisors.com\/machform\/embed.php?id=11504';\nvar __machform_height = 1318;\n\/\/ ]]><\/script><\/p>\n<div id=\"mf_placeholder\"><\/div>\n<p><script type=\"text\/javascript\" src=\"https:\/\/ajax.googleapis.com\/ajax\/libs\/jquery\/1.6.1\/jquery.min.js\"><\/script><script type=\"text\/javascript\" src=\"https:\/\/rtcinsuranceadvisors.com\/machform\/js\/jquery.ba-postmessage.min.js\"><\/script><br \/>\n<script type=\"text\/javascript\" src=\"https:\/\/rtcinsuranceadvisors.com\/machform\/js\/machform_loader.js\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you request a Florida Home Insurance Quote from an agent, it\u2019s a good idea to have your current policy handy so that you can compare your new Florida home insurance quote to your current Florida homeowners policy for similarities and differences.\u00a0 An HO-3 Special form is the most commonly sold home insurance policy in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[3],"tags":[294,37,295,293],"class_list":{"0":"post-1464","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-homeowners-insurance","7":"tag-endorsements","8":"tag-florida-home-insurance-quote","9":"tag-home-insurance-policy-in-fl","10":"tag-riders","11":"entry"},"_links":{"self":[{"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1464","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=1464"}],"version-history":[{"count":3,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1464\/revisions"}],"predecessor-version":[{"id":2051,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1464\/revisions\/2051"}],"wp:attachment":[{"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=1464"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=1464"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=1464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}