{"id":106,"date":"2024-08-30T04:00:00","date_gmt":"2024-08-30T10:00:00","guid":{"rendered":"https:\/\/insurance.bankofoakridge.com\/blog\/?p=106"},"modified":"2024-08-21T13:35:16","modified_gmt":"2024-08-21T19:35:16","slug":"common-add-ons-or-riders-to-renters-insurance","status":"publish","type":"post","link":"https:\/\/insurance.bankofoakridge.com\/blog\/common-add-ons-or-riders-to-renters-insurance\/","title":{"rendered":"Common Add-ons or Riders to Renters Insurance"},"content":{"rendered":"<p>You can create a custom policy when you buy renters insurance from Oak Ridge Insurance Services to cover the items in your Oak Ridge, NC home. Renters&#8217; policies cover your liability needs and personal property, including furniture you bring to the apartment, condo, home, or other domicile. You customize your insurance policy by scheduling items.<\/p>\n<h2>Scheduling in an Insurance Policy<\/h2>\n<p>Insurance agents use a few different terms to describe scheduling items. Your agent might suggest an add-on or a policy rider. All three terms mean the same thing. You pay a few more cents or dollars per premium to enhance the coverage to cover a specific item, such as an engagement ring, or a range of items, such as your hobby equipment.<\/p>\n<h2>Common Policy Add-ons<\/h2>\n<p>While the insurance industry has an add-on for nearly every item, some add-ons or riders are more common than others. Here are a few of the most typical:<\/p>\n<ul>\n<li>Home business add-ons that cover business equipment and supplies plus enhanced liability coverage for your home-based business<\/li>\n<li>Jewelry riders, which cover specific pieces of jewelry that you describe, provide a photo and valuation of<\/li>\n<li>Hobby equipment scheduling covers costly equipment for hobbies such as photography and filmography, musical instruments, etc.<\/li>\n<\/ul>\n<p>Without these scheduled items, your renter&#8217;s policy typically covers between $1,000 and $2,000 of personal property. By scheduling items, you insure them at their full value, and the insurance pays you that value if they are stolen or destroyed by a peril named in your policy.<\/p>\n<h2>Contact Our Offices Today<\/h2>\n<p>Call or email Oak Ridge Insurance Services today for an insurance review. Let us help you protect the valuables stored in your Oak Ridge, NC home.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You can create a custom policy when you buy renters insurance from Oak Ridge Insurance Services to cover the items in your Oak Ridge, NC home. Renters&#8217; policies cover your liability needs and personal property, including furniture you bring to the apartment, condo, home, or other domicile. You customize your insurance policy by scheduling items. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[11,10],"class_list":["post-106","post","type-post","status-publish","format-standard","hentry","category-renters-insurance","tag-oak-ridge-insurance-services","tag-oak-ridge-nc"],"_links":{"self":[{"href":"https:\/\/insurance.bankofoakridge.com\/blog\/wp-json\/wp\/v2\/posts\/106","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insurance.bankofoakridge.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insurance.bankofoakridge.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insurance.bankofoakridge.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/insurance.bankofoakridge.com\/blog\/wp-json\/wp\/v2\/comments?post=106"}],"version-history":[{"count":1,"href":"https:\/\/insurance.bankofoakridge.com\/blog\/wp-json\/wp\/v2\/posts\/106\/revisions"}],"predecessor-version":[{"id":107,"href":"https:\/\/insurance.bankofoakridge.com\/blog\/wp-json\/wp\/v2\/posts\/106\/revisions\/107"}],"wp:attachment":[{"href":"https:\/\/insurance.bankofoakridge.com\/blog\/wp-json\/wp\/v2\/media?parent=106"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurance.bankofoakridge.com\/blog\/wp-json\/wp\/v2\/categories?post=106"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurance.bankofoakridge.com\/blog\/wp-json\/wp\/v2\/tags?post=106"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}