The cost of home insurance is directly proportional to the additional coverage included. As the insurer assumes greater risks, the premium amount increases. Additional coverages may include:

Earthquake (for the building and/or contents)
Fire liability
Water damage
Flood damage
Landslides
Hail
Smoke damage
Storm damage
Snow weight damage
Impact from road, air, or sea vehicles
Loss of rental income
Debris removal costs
Temporary accommodation expenses
Strikes, lockouts, civil unrest, terrorism, and malicious acts
Replacement cost (based on new value)
Damage due to lack of insulation
Theft (building/contents/valuable items)
Legal protection
Third-party liability
Glass breakage
Emergency assistance services (provided by Neova Insurance)
Maintenance of air conditioning and heating systems
Solar power systems
Personal accident coverage
Household appliances
Machinery breakdown
Fuel leakage
Landscaping damage
Employee fidelity insurance
Guest belongings
Damages caused by aquarium incidents
Food spoilage due to electrical issues
Accidental breakage coverage
Additional fire liability
Coverage for household items in transit