Options, add-ons, and separate coverages will increase the cost of a standard policy. But they could save you a lot of money in the long run.
Keep in mind as you price shop that some carriers may include these extras in their basic coverage while others may will charge you an added premium. The National Association of Insurance Commissioners offers a homeowners insurance shopping worksheet as part of its free shopping guide to help you approximate apples-to-apples comparisons.
Here are add-ons to consider:
• Sewer backup. This coverage would protect you if, say, a municipal line failure caused sewage to back up into your home, says Loretta Worters, a spokeswoman for the Insurance Information Institute. (Sewage backup could also be caused by tree roots growing into the sewer line.) The cost is $40 to $100 per year.
• Earthquake, hail, and windstorm. In our 2018 homeowners insurance survey, 6,940 CR