SDSU Insurance Riders Endorsement Discussion

Judy owns a single-family house in the San Diego area, and she is shopping for better homeowners coverage. Right now, she has an unendorsed HO-3 policy, and she wants to make sure the coverage is appropriate for her needs. She is working with a new insurance broker, Xavier, who asks her to describe her insurance needs.

Judy explains that she lives full-time at her house, but also runs her florist business out of her garage and garden shed. She stores about $5,000 worth of pots, dirt, seeds, gardening equipment, etc. on site, as well as about $10,000 of flowers, shrubs, etc. She is also an avid sailor, and has a small sailboat in her garage, as well as some expensive seascape paintings in the house valued at $25,000 each.

Xavier indicates that, right now, Judy might not be covered for all her exposures. What are some endorsements she might consider adding to her HO-3 policy, and why?”