You should carry enough home insurance to meet the needs of you and your family, but a general policy may have its limitations. Endorsements are available for a small price and can offer huge coverage, like overland water coverage, home-based business, and watercraft coverage. In order to have protection against exposures you may face, endorsements can cover gaps in your existing insurance or increase your limits.
Contact your D.G. Smith account manager about any home insurance endorsements you may require.