Your home is a reflection of your style, comfort, and hard work. But what happens when a covered loss damages part of your space—leaving you with mismatched flooring, cabinets, or countertops?
Most standard homeowners policies only cover the damaged portion, leaving homeowners to pay out of pocket if matching materials are no longer available. That’s where Interior Matching Protection comes in.
What Is Interior Matching Protection?
Interior Matching Protection is an endorsement that helps ensure a cohesive design in your home after a covered loss. If a portion of your interior is damaged and the original materials are unavailable, this coverage extends to the undamaged areas so everything matches again
What Does It Cover?
✅ Cabinets
✅ Countertops
✅ Flooring
✅ Wall Coverings
✅ Interior Doors & Trim
When Would You Need It?
🔥 Kitchen Fire – A stovetop fire damages only your lower cabinets, but the same cabinet style is no longer available. This coverage helps replace upper cabinets too, so your kitchen still looks seamless
💦 Water Damage – A pipe bursts in your kitchen, damaging part of your laminate flooring. Your living room and hallway share the same flooring, and the style is discontinued. This coverage helps replace the entire area
🏡 Multi-Room Impact – If your kitchen, bathroom, and laundry room share matching cabinets, and only one room is damaged, this coverage extends to the undamaged rooms for a consistent look
Why Is This Coverage Important?
🚧 Standard policies only cover direct damage – If half your flooring is ruined, insurers won’t pay for the other half to match.
🚧 Older and custom homes are at risk – Finding exact replacements for older materials can be impossible.
🚧 It saves you thousands – Without this endorsement, homeowners could pay out of pocket for undamaged portions.
Is Interior Matching Protection Right for You?
If you care about aesthetics, design consistency, and avoiding unexpected expenses, this coverage is worth considering. At Rathbun Insurance, we can help you determine if Interior Matching Protection is the right fit for your home.
📞 Call us today to review your homeowners policy and explore this valuable coverage!
