Insurance Riders (Add-Ons) - which ones?

[Marc Doolittle]

I am comparing a few quotes for rental properties Insurance. These are single family housing. Does anyone get these add-ons?

Building Ordinance

Reversal of Sewer/Drains

Course of Construction

Freezing

Mold

Thanks for any advice. The one that seems worth it to me is reversal of Sewer but I was not even sure about that one.

[John Mocker]

Marc
Here is some info on the endorsements:

Building Ordinance
When building ordinances and laws change it can impact the cost to rebuild a structure. Building Ordinance & Law coverage pays the additional costs incurred to rebuild to the current code.

Reversal of Sewer/Drains
Also called Backup of Sewers/Drains. This endorsement pays to cleanup and repaire the damaged caused when a sewer or drain backs up and causes liquids to damage the house. If you have a sump pump this coverage becomes even more important.

Course of Construction
(also know as Builders Risk) Insures buildings under construction against the costs of repair or replacements in the event of a covered loss. Can be a separate policy or an endorsement to another policy

Freezing
Not sure what this endorsement is for. Unless it is very basic coverage, freezing of pipes is covered in the perils insured against. If this is offered as an endorsement I would check that quote to see if the coverage is basic and get a quote for Special form.

Mold
Not sure on this endorsement. Most policies offer limited Mold coverage. This endorsement may be offering increased limits. get the full details from the agent.