Buyback coverage is available by endorsement, buybacks return coverage for certain perils that are excluded by the base policy. Ask your insurance agent how much the buyback will increase your premium. If you have a homeowners policy other than HO-B and HO-A, ask what buyback options are available and if they are available at any time or only when you buy your initial policy with that company. Don’t forget to ask if this coverage will be available later if you decide not to get it at the time it is offered.