Customized insurance coverages are available for high-valued luxury homes, high-rise condominiums, or town homes. Many of these residences are located in coastal or mountain areas with problematic property exposures. In addition to standard homeowners forms, some unique coverage enhancement endorsements are also available. Examples of such enhancements are excess wind, excess flood, earthquake, vacant property, rental property, builders risk, and inland marine. This explanation of insurance benefits is provided by Insurance Marketplace.