A basic homeowner's insurance policy is extensive, but it doesn't cover everything, which is why many people opt to customize their policy by adding option coverage to it. There is a wide range of different types of optional coverages you can add to your homeowner's insurance policy. #1: Personal Property Endorsement If you have any expensive personal property, like a very valuable piece of jewelry or an expensive piece of artwork that alone exceeds the personal property limits for your policy, you will need to get a scheduled personal property endorsement.

Right now, we have certain ailments and conditions in society that have reached epidemic levels of seriousness. For example, a lot of people are beginning to develop heart disease at younger ages, to the point that this is an issue that costs society close to $220 billion every year. Obesity rates are high, and people are consistently dealing with several ailments that lead to chronic pain and discomfort.  With this in mind, one investment becomes increasingly important—a quality healthcare plan.