While a standard Home Owner insurance policy offers solid protection, optional add-ons can give you more comprehensive coverage tailored to your specific needs and lifestyle. Here’s a closer look at some popular options:

Damage from sewer or drain backups and sump pump overflows is not usually covered by standard policies.
This optional coverage helps pay for repairs and property replacement when water unexpectedly backs up into your unit, saving you from costly out-of-pocket expenses.

Depending on where you live, adding a separate flood insurance policy (often through the National Flood Insurance Program or private carriers) is critical to protect your home and belongings from rising water, storm surges, or heavy rainfall.

Standard home owner insurance does not cover damage from earthquakes.
In areas prone to seismic activity, this optional coverage protects your interior structure and personal belongings against earthquake-related damage.

Helps cover expenses related to restoring your identity if you become a victim of identity fraud, such as legal fees, lost wages, and document replacement costs.

Adding optional coverages ensures that gaps in your standard policy are closed — giving you true peace of mind. Our experienced agents can help you review risks, evaluate coverage limits, and customize a plan that protects you fully without overpaying.