Top Extra Insurance Coverages People Ask For Most

When it comes to protecting what matters most, standard insurance policies don’t always cover every potential risk. That’s why many policyholders opt for additional coverages, also known as endorsements or riders, to enhance their protection.

One of the most commonly requested add-ons is personal property coverage, especially for high-value items such as jewelry, electronics, or collectibles that may exceed the limits of a standard policy.

Flood insurance is another highly requested coverage, particularly for homeowners in flood-prone areas. Since most homeowners insurance policies do not cover flood damage, this becomes essential for financial security.

Similarly, earthquake coverage is frequently added in regions with seismic activity. Without this endorsement, repairs and rebuilding after an earthquake can be extremely costly.

For auto insurance, roadside assistance is one of the most popular extras. It provides peace of mind in case of breakdowns, flat tires, or lockouts, offering 24/7 support when drivers need it most.

Rental reimbursement is another sought-after addition to auto policies. If your car is in the shop due to an accident, this coverage helps pay for a rental vehicle during the repair period.

Identity theft protection has become increasingly important. Many insurers offer coverage that helps pay for recovery costs, legal fees, and even credit monitoring in case your personal data is compromised.

Umbrella liability insurance is a top choice for individuals seeking higher liability limits. It extends beyond the limits of auto and home insurance, providing broader protection against lawsuits or major claims.

Pet insurance or pet-related liability coverage is also on the rise, especially for pet owners concerned about unexpected veterinary expenses or incidents involving their animals.

Small business owners frequently request business interruption coverage, which compensates for lost income if operations are halted due to a covered event, like a fire or natural disaster.

Lastly, cybersecurity insurance is increasingly demanded by individuals and businesses alike, offering protection against data breaches, hacking, and digital threats that can result in significant losses.

While basic policies offer foundational protection, these additional coverages are vital for addressing specific risks. Choosing the right combination depends on your lifestyle, location, and financial goals.