About to close on first rental property, what coverage do I need?

[Kevin Huang]

About to close on my first investment property (first property ever for that matter) and am in the process of getting homeowner's insurance quotes.  So far, it seems like my best option will be to go with NatGen as the provider, but they offer some additional options that I'm unsure of regarding their value.

1. Water backup insurance

2. Appliance & equipment breakdown insurance

3. Service line coverage insurance

Does anyone have experience with NatGen, in particular these three options?  Any thoughts/advice are greatly appreciated!