We have complete coverage on ours .. so we really don’t need anything else.
We have replacement value on our home and not just a flat figure we chose .. it costs more, but will make a big difference if we ever had a total loss.
I have some expensive jewelry “scheduled” as riders… to make sure we would get their value and not just a flat figure that comes standard with the policy.
We have basement “backup” flood insurance. It cost a little more, but give us peace of mind.
We have a fairly low deductible too.