Here's a look at coverage options you can add to your homeowners policy.

Identity theft restoration
Covers the cost of legal fees, lost wages and other related costs if your identity is stolen
Water backup
Covers water damage caused by your drain backing up or sump pump breaking
Scheduled personal property
Covers valuable appraised items like engagement rings or antiques
Business property
Increases limits for business-related items stored in your home, like inventory
Sports equipment
Increases coverage for expensive gear like golf clubs, ski equipment and more

Green improvement reimbursement
Covers the additional cost of replacing damaged or destroyed covered items with more energy-efficient items
Yard and garden
Increases the limits for the cost of items like trees, landscaping and riding lawn mowers
Electronic data recovery
Covers the cost of recovering lost personal computer data, like photos or videos
Musical instruments
Increases coverage for items like guitars, violins and more