If you live in an area where you're exposed to a weather-related risk and you haven't addressed the issue in your insurance, your insurance program has a serious leak. Here's where you can find the patches to seal your leaks and make your program watertight.

• Earthquake, sump pump failure, and sewer backup coverages are usually available for an extra charge from your Homeowners insurance company as a Homeowners policy endorsement.
• Flood insurance from the federal government is available from almost any insurance agent. Good information on the coverage is available online at FEMA.gov.
• Hurricane coverage on coastal property is available from your state windstorm insurance pool. Your agent can help you arrange the coverage. To locate your state's pool, call your state insurance department.