There are other optional endorsements you can add to an HO-7 mobile home insurance policy to increase your home's protection level. Some of the most common are: Water and sewer backup. Covers water damage caused by a broken sump pump or backed-up drain. Scheduled personal property. Provides additional coverage for expensive items such as appraised jewelry, collectibles or antiques. Replacement cost. Ensures that your items are replaced at the current price to replace them, rather than the depreciated value.