What endorsements should I add to my homeowners policy?

Water backup pays for damage from sewer or drain backups — almost never covered by default. Service line covers the buried pipes and wires from the street to your home. Equipment breakdown covers HVAC, appliances, and electronics for sudden mechanical failure. Scheduled personal property covers high-value jewelry, art, and collectibles above the small sub-limits in the base policy. Most of these endorsements cost less than $10/month combined.