Water Coverage — CAA home insurance policies can be topped up with coverage for water damage, including overland flooding, sewer backup, and heavy rainfalls. Home Equipment Breakdown Coverage — This is a form of additional coverage that you can buy for the breakdown of appliances in your home. Service Line Coverage — This is an endorsement that protects you against damage to or failure of the service lines that run underneath your home. Liability coverage — This is an extra form of coverage that protects you in the event that someone is injured on your property and tries to sue you for damages.