Regarding basements, coverage is extremely limited:

Up to 4 items are covered in the basement if they are essential to operating the house – for example: the hot water heater, furnace, AC equipment, sump pumps, circuit breaker boxes , outlets & switches.
Drywall is covered, but we only nail it to the studs (no finishing work).
Clean up is covered .

There is no coverage for any other contents, carpet, flooring, electronics, kitchens, media room, furniture… nothing.  There is no endorsement available to expand the coverage.