You can add optional coverages (endorsements) to customize your policy:
- Scheduled Personal Property: Extra coverage for high-value items like jewelry, art, or antiques beyond your standard policy limit.
- Water Backup Coverage: Covers damage from backed-up sewers or drains, which is usually not included in basic policies.
- Flood Insurance: Necessary for flood-prone areas, as standard policies don’t cover flood damage.
- Earthquake Insurance: Separate coverage for earthquake damage if you live in an area at risk.
- Ordinance or Law Coverage: Covers extra rebuilding costs to meet current building codes after a covered loss.
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