Home Insurance - Add Ons

Home Insurance -Add Ons

As a homeowner, you understand the importance of having reliable insurance coverage. Basic homeowners insurance covers just that... the basics. What about: Renting out your home on Airbnb, you run a small business from your home, or have valuable items like jewelry or art that require additional protection?  At W.E. Davis Insurance Agency, we offer specialized coverage options to help safeguard your home, assets, and peace of mind. Explore our coverage for Airbnb rentals, scheduled articles, identity theft, home-based business and more to find the protection you need.

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Home Insurance - Add Ons
Home Insurance - Add Ons

Special Home Insurance Coverage

Do you have unique assets that might require more than just standard insurance coverage? Perhaps you frequently rent out your home on Airbnb or run a business out of your home. Maybe you have valuable items like art or jewelry that need extra protection. Or you may be concerned about the rising threat of identity theft. Whatever your situation, W.E. Insurance Agency offers specialized coverage options to help protect you. Take a look at our Optional Home Coverage to see if any might work for you.

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Our Recreational Vehicle Insurance Coverage Options

Airbnb

Airbnb

Do you rent out your home on Airbnb or similar platforms? If so, you are operating a small hotel and home insurance EXCLUDES business pursuits. This coverage provides protection for your liability if a renter or their guest were hurt, lost rental income, and damage caused by a renter, giving you peace of mind knowing that you're fully protected while generating income from your property.

Scheduled Articles

Scheduled Articles

Some items like jewelry, silver or collectables are limited under the basic homeowner policy. Specialized coverage for scheduled articles includes high-value items like antiques, jewelry, and fine art. They are covered for their appraised or purchased value. With this coverage, you can rest assured that your valuable possessions are fully protected against accidental damage, mysterious disappearance, or theft.

Identity Theft

Identity Theft

Are you worried about a hack of your personal data? Identity theft coverage provides protection against financial losses resulting from identity theft. We pay for the costs of getting your identity back including attorney fees, costs for new loan applications and lost wages. But most important - this coverage provides Advocacy Services so you can call an 800 number if you are hacked and get expert advice on how to limit your losses and proceed with confidence.

Home-based Business

Home-based Business

Do you work out of your home? Do you sell Tupperware, Mary Kay, Avon or similar MLM products? Do you repair cars or other items from your home and charge a small fee? Do you sell items on the internet? If so, you are running a business out of your home and basic Homeowners Insurance EXCLUDES business pursuits. Home Based business insurance offers liability coverage for your business operations and can cover your business contents that are excluded or severely limited under basic home insurance.

Flood

Flood

Water which rises above your foundation is a flood and EXCLUDED under basic homeowner insurance. Flood insurance provides protection for your home and contents against damages caused by flooding. (Not sewer back up) This coverage can be critical for homeowners even if you are not in a flood-prone area, providing financial money for repairs and replacement of damaged property. This coverage is insured through the Federal Government Flood Insurance Program.

Reach out to our team at W.E. Davis to customize your Home Insurance.

Frequently Asked Questions

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About W.E. Davis Insurance Agency

Family Owned and Operated Since 1938.

A Family team that will make a difference in how you see insurance. Let our years of experience, knowledge and hard work ethic play in the role of choosing the right protection for your home, auto, business,

W.E. Davis Insurance Group Team
Other products

Home/Condo/Renters Insurance

Rental Dwelling Insurance

Rental Dwelling Insurance

We make it easy for you to protect your interests no matter how many rentals you own. If you’re doing it on a small scale (1 to 6 properties), we can simply add coverage to your home and auto insurance portfolio. For those with 6 or more properties, we’ve designed a special commercial package.
Condo Insurance

Condo Insurance

A policy designed for the special needs of condominium unit owner-occupants to cover personal property and liability, to complement the insurance normally purchased by the condominium association for the building, structures and liability. Additional coverages are offered unit owners by many insurer
Renters Insurance

Renters Insurance

Protect yourself and your personal belongings against risk of fire, theft, wind and more with renters insurance. Renter’s insurance is fairly inexpensive when compared to the cost of replacing your personal property should a loss occur.
Home Insurance

Home Insurance

So you just bought a new home. Chances are you did a lot of research to make it happen. Now, you need to be just as vigilant about choosing a homeowner’s policy and insurance agent.