In addition to your basic homeowner policy, you may want to think about the following coverage:
Difference in conditions
You can buy this coverage to protect your home against damage caused by excluded perils, such as earthquakes, floods, landslides and sinkholes.
Another residence on your property
This coverage protects you if you have a second residence on your property, such as a rental house or a mother-in-law apartment.
Secondary residence premises
This coverage provides protection for a secondary residence, such as a summer home. You might get the additional coverage at a reduced rate by buying a rider to your homeowner policy.
If you run a business out of your home, you might be uninsured and not realize it.
This coverage protects you against losses due to sewer or sump-pump backup.
Umbrella liability policies
These policies extend your coverage above the limits of the liability coverage you already have through your homeowner and auto policies. They provide you with an extra layer of protection.
This endorsement covers small sailboats and outboard motorboats. It expands your personal-liability and medical-payments coverage. There are size limitations to watercraft and engine horsepower, so talk to your agent.