Standard homeowners insurance provides a foundation, but specific risks often require targeted endorsements. These options address gaps in traditional policies to account for unique property features or high-value assets.

Extended Dwelling Coverage Reconstruction costs often fluctuate based on local labor markets and material prices. This endorsement provides a buffer above the policy limit to help rebuild if construction expenses exceed the original coverage amount.

Personal Property Replacement Cost Standard policies typically pay the actual cash value of items, accounting for age and wear. This option provides the funds necessary to purchase new, comparable versions of furniture, electronics, or clothing without deductions for depreciation.

Valuable Articles Scheduled Coverage High-value items such as jewelry, fine art, or collectibles often exceed the sub-limits of a standard policy. Scheduling these items individually offers specific protection against theft, loss, or accidental damage.

Sewer and Water Backup Many homeowners assume damage from a backed-up sewer or failed sump pump is included in a base policy. This coverage adds a specific limit for water damage resulting from drains, sewers, or mechanical failures of water removal systems.

Building Ordinance or Law When rebuilding after a loss, updated local building codes may require more expensive materials or construction methods than were used originally. This endorsement assists with the increased costs of bringing a home up to current legal standards.

Service Line Coverage Homeowners are typically responsible for the utility lines running from the street to the house. This protection covers the cost of repairing or replacing underground service pipes and wiring due to leaks, breaks, or collapses.