几个optional的coverage大家买房屋保险(homeowner insurance)的时候加不加?

今年premium 疯涨了30%,当然保费越高coverage越好,但是怕被忽悠了。


版上懂保险同学的说说下面这些optional的coverage买不买?


(1)extended dwelling coverage

(2) building codes/ordinance

(3) foundation coverage

(4) water leakage & seepage