I'm happy with the basic cover; my philosophy is to only insure against dramatic losses and not spend more for 'extras' type cover. It's more fun to build man-traps and populate the yard with wild beasts
. We've had two attempts to enter our house that I'm aware of - picture an intruder trying to open the back door at 2am when he hears a deep growl resonating inside the kennel - next day there's special din dins for the good work.