Here are some common homeowners insurance riders that you may be able to add to your policy:

Scheduled personal property coverage

A scheduled personal property rider increases coverage for certain valuables, such as jewelry, furs or antiques. When you buy extra coverage and schedule your valuable property, it increases your coverage limits for your scheduled items (usually up to each item's appraised value). This type of rider also helps protect your valuables against additional risks that a standard homeowners policy does not cover (for example, losing or misplacing your scheduled items).

Water backup coverage

A standard homeowners policy typically does not cover water damage from a backed-up drain or sump pump. For that, you'd need to add optional water backup coverage to your policy. It helps pay to repair certain types of water damage. For instance, it may help cover the cost of replacing furniture or removing water after an unexpected backup damages your residence.

Building code coverage

Standard dwelling coverage in a homeowners insurance policy helps pay to repair your home's existing structure to its original state after a covered claim. But, if your home isn't up to current building codes when it is damaged, you might have to pay the difference out of pocket to bring it up to code. When you add optional building code coverage onto your policy, it helps pay the additional cost to comply with local building codes required for repair of your home after a covered claim.

Business property coverage

Not every standard homeowners insurance policy helps cover your business property. If you are running a home-based business or need more protection for business property that you keep in your home, you may want to consider adding business property coverage to your policy. This type of optional coverage helps protect business-related items stored in your home (for example, products you are planning to sell).

Identity theft restoration coverage

If your identity is stolen, you could end up spending time and money to restore your name. Identity restoration coverage helps reimburse you for costs you incur after an identity theft, such as legal fees, lost wages or costs to mail documents.

Additional home insurance riders may be available to add onto your policy. These may include coverage for things like landscaping or renovation projects. Your insurance provider can help you choose home insurance endorsements that fit your needs.