Earthquake
This coverage provides for repair or replacement of your home following an earthquake.  Not all companies offer this coverage and those that do may have specific requirements that must be met in order for you to qualify for the coverage.  The amount of this coverage will match you dwelling coverage, but you will have a separate deductible, usually 10 to 20 percent of the coverage amount.  Your policy will define what constitutes an earthquake and will include any limitations that may apply to this coverage.

Flood
Flood insurance is available as a separate policy and provides coverage for direct physical losses caused by flood, flood related erosion, abnormal tidal surges, and mudslides.  The national Flood Insurance Program (NFIP) provides these policies through an arrangement with private companies.  If your property is located in an area with a high likelihood of flooding, your lender may require you to obtain this coverage.

More information is available by calling 1-888 FLOOD29 (1-888-356-6329) or on-line at http://www.fema.org

Home Daycare
Home daycare insurance provides liability coverages for daycare facilities in your home when you care for a limited number of children.

Home Business
Home business coverage may be offered as part of your homeowner policy.  Each insurance company will define the type of home business that  it is willing to cover on a homeowner policy.

Sewer Backup Endorsement
This coverage protects against losses from the backing up of a sewer or sump pump.  These losses generally are not covered under a homeowner policy.  This endorsement is available through most insurance companies, but you may have to ask for it.

Umbrella Liability Policies
These policies supplement the liability coverage you already have through your home and auto insurance, providing an extra layer of protection.  Normally, these policies pay after the liability limit of the homeowner or auto policy is exhausted.

Secondary Residence Premises Endorsement
This coverage provides protection for a secondary residence, such as a summer home.

Watercraft Endorsement
This endorsement provides coverage for small sailboats and outboard motor boats.  It broadens personal liability and medical payments coverage.

Theft Coverage Endorsement
This protection broadens theft coverage to include contents of your motor vehicle, trailer or watercraft without proof of forced entry.

Credit Card Forgery and Depositors Forgery Coverage Endorsement
This coverage provides protection against loss, theft, or unauthorized use of credit cards (with certain exceptions).  It also covers the forgery of any check, draft, promissory note, and the like (with certain exceptions).  No deductible applies to this coverage.