Loan or lease gap insurance pays for the difference between the insurance payout and what you still have to pay on your loan or lease. For example, say you bought or leased a 2015 Toyota Camry that’s now worth $10,000, but you still owe $13,000 on the car. Loan or lease gap insurance would pay for the $3,000 difference. Without the coverage, you’d have to pay the $3,000 yourself.

Premier new-car replacement coverage bundles loan or lease gap coverage and auto glass coverage, along with new-car replacement coverage. The latter is the standout feature of this bundle, covering the cost of a new car if your vehicle is totaled in a covered loss . However, the coverage doesn't protect you from losses caused by fire, theft, larceny and flood.

The loan or lease gap coverage works the same way as the stand-alone option. The glass coverage option lowers your deductible when replacing your windshield, windows, exterior lights or mirrors.

Travelers offers accident forgiveness through two hybrid plans: the Responsible Driver Plan and the Premier Responsible Driver Plan. Accident forgiveness programs cancel the increase in a driver’s rates after an at-fault accident, which can save you hundreds of dollars over the term of your policy. However, this add-on is expensive, so be sure you're comfortable with the higher rate before you buy coverage.

Rideshare drivers in Colorado and Illinois have the option to add coverage when driving for Uber, Lyft or other ridesharing apps. If you don’t have similar coverage, you’re probably not fully covered when driving for a ridesharing app. This add-on gives you coverage after opening your mobile app but before picking up a passenger. Once you pick someone up, the ridesharing company’s insurance covers you.

Rental car coverage reimburses you for some of the cost of a rental vehicle if your car is involved in a covered accident and you need another vehicle. Coverage starts at $30 per day, with the maximum available at $900 per day. The cost will differ depending on your vehicle, but you can expect to pay around $20 per year for the lower end of coverage and around $50 per year for the maximum coverage. To use Travelers’ rental car coverage, your vehicle must be out of commission for at least 24 hours.

Roadside assistance coverage helps if you want roadside services, like jump starts, tire changes, fuel delivery or lockout assistance. Travelers offers two tiers of roadside assistance: basic roadside assistance and premier roadside assistance. Basic roadside assistance provides a towing service up to 15 miles, while the Premier package provides the service up to 100 miles. Premier roadside assistance also includes trip interruption coverage, which provides $600 (maximum of $200 per day) of reimbursement for food and lodging if your vehicle breaks down.

To request roadside assistance, Travelers customers can dial 800-252-4633, option 3.

With contents replacement cost coverage, your insurance company will pay you what you need to replace your damaged items with new versions, even if your damaged items are worth less. For example, if you filed a claim for a TV without the add-on coverage, your insurance company might give you $500, because this is what it's worth after depreciation. If a new model costs $700, you'd have to pay the difference out of pocket. With replacement cost coverage, you'll get the $700 to replace your old TV with a new model.

Additional replacement cost coverage lets you get more than your insurance limit if you file a claim. This add-on is great if your dwelling coverage isn't enough to fully cover the repairs for your property when you file a claim. Keep in mind that this add-on only kicks in for damage from events covered by your main home insurance policy.

Valuable items, such as jewelry and fine art, are covered by a standard homeowners policy, but these items tend to cost more than the typical coverage limit. This add-on gives you extra coverage for your valuable items. If you have an item that costs more than $1,500, or several items that cost hundreds of dollars each, you’ll want to consider adding this endorsement to your home insurance policy.

A personal articles floater provides coverage on an item-by-item basis, so you’re required to list the items in the policy for your insurance company to cover them. This extra coverage could be a good idea if you have high-value items like electronics, health-related devices and keepsakes.

This provides you with coverage for sewer or drain water backup. Without it, your standard home insurance policy may not cover the damage. Remember, this add-on only covers water damage from backups — it doesn’t cover water damage from other events like floods or leaky pipes.

Travelers' identity fraud coverage provides up to $25,000 in coverage for certain expenses used to restore your identity. You won't need to pay a deductible to use this coverage.

It also lets you get reimbursed for expenses like:

The green home coverage endorsement provides you with extra protection to help you restore or rebuild your home using green materials after a covered loss.