几个optional的coverage大家买房屋保险（homeowner insurance）的时候加不加？

今年premium 疯涨了30%，当然保费越高coverage越好，但是怕被忽悠了。
版上懂保险同学的说说下面这些optional的coverage买不买？
(1）extended dwelling coverage (2) building codes/ordinance (3) foundation coverage (4) water leakage & seepage