You may want to purchase additional endorsements for more comprehensive coverage. In the event of a lawsuit, this coverage will help pay for your legal defense. Like its name suggests, it generally has better coverage. Limits of coverage vary from carrier to carrier. However, no policy covers acts of war, nuclear accidents or floods.
Flood insurance requires separate policy altogether.
Earthquake Protection can be added as an endorsement. It includes the 17 listed perils in HO-2 and generally any other peril. Historical or architectural features may make it more expensive than its market cost. Condominiums usually have no external structures but share collectively in the whole building. Rentees borrow their homes from gracious landlords.