Sewer back-up is a general term that includes coverage for the backing up or escape of water from a sewer, storm drain, drain, sump or septic tank. Sewer back-up losses are perhaps one of the most unpleasant occurrences. Seeing personal possessions soaked and soiled is devastating for any homeowner. Ask your broker about adding sewer backup coverage to your policy to help your property get cleaned, repaired or replaced.       Do you play golf, hockey or volunteer for charitable organizations? Protect yourself and your assets. A million dollars in liability coverage might seem like a lot – but what happens if you're involved in a claim that exceeds that limit? If you are successfully sued for more than $1 million, the balance of the judgment would be paid out of your pocket. It costs less than $30 per year to increase your liability to $2 million. You can't afford not to have this increased coverage.       Some municipalities enact by-laws which mandate certain rebuilding/repairing requirements. Examples of this are not being able to rebuild on the same lot due to changes in the zoning of the area to commercial; or, having to declare the home a total loss and rebuild it entirely even though it could have been repaired. Ask your broker how you can get protection for such by-laws.     Do you run a business from home or have clients come to your home? Your homeowners policy does not cover you against claims for bodily injury to or damage to the property of others, arising from your business or any business use of your premises except specified in your policy.     If you operate a small business from home, you may be able to get protection for your business without having to buy a commercial policy. There is a wide variety of eligible businesses for this program. Home Based Business extensions can be added to your property policy and payment plan, saving you money. This will not only cover your business and business property, but also if you become legally liable to pay compensatory damages because of personal injury or property damage arising out of the operation of the home based business. For example: If one of your clients slips and falls and hurts themselves while visiting you, they could sue. This would not be covered under you Homeowner's liability policy, you would need this extra Business protection.           On your policy, there is an option to schedule some of your personal property , such as jewellery, furs, bicycles etc. Scheduling items insures them separately on the policy with all risk coverage with a lower deductible, or sometimes even no deductible at all. As policies have certain limits of coverage for such items, scheduling ensures that your possessions are property covered.