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A sewer backup is among a homeowner’s worst nightmares. Not only is it inconvenient and unsanitary, but it can cost a small fortune to take care of. A homeowners insurance policy can help you, but not all policies include this coverage.
A standard homeowners insurance policy covers sudden and accidental water damage that comes from inside your home, such as a burst pipe or broken appliance. It also covers water damage that results from rainwater coming in through an opening caused by a named peril.
However, most water damage is not covered by a standard homeowners insurance policy. Damage from water that seeps up from the ground, flooding or a pipe that has been leaking for a while is not covered by most policies.
Damage from water that backs up through the sewers or drains is also not covered. Fortunately, most homeowners insurance companies sell water sewer backup coverage.
Water backup coverage may also be called sewer or sump pump backup coverage, and it is among the most popular endorsements that homeowners add to their policies. As its name suggests, this coverage pays for damages caused by sewage that backs up into your home through the drains. This coverage is very affordable, with most homeowners paying as little as $30 per year to add it to their policy.
Most homeowners insurance companies sell water backup coverage in $5,000 increments. On average, homeowners pay between $30 and $70 for $5,000 of coverage and about $30 for every additional $5,000 in coverage. In most cases, you have to pay a deductible, or a portion of the cost for professional cleaning and repair, before your insurance pays out.
Some expenses paid for under this coverage include damage from water that overflows from:
Not all water backup damage is paid for under this coverage. For example, the coverage will not pay to replace a broken sump pump, and it will not pay for overflow and backups that could have been prevented through routine maintenance or due diligence. It also does not cover damage from flooding or overflows of water from a pond or swimming pool.
Water backup coverage is among the most valuable and affordable policy add-ons you can purchase. It is also among the most widely used endorsements by homeowners. If your homeowners insurance company sells this coverage, it is generally a good idea to add it to your policy.
At Nevada Insurance Enrollment, homeowners insurance agents help you assess your needs to build the best policy to cover your home and fit your budget.
Do you have car damage that needs to be repaired or parts that need to be replaced? You may assume that the repairs will be done using OEM parts, which means “Original Equipment Manufacturer”, but this isn’t always the case so make sure to review the coverages you have in your auto insurance policy.
Gap insurance is optional auto insurance coverage that covers the difference between the actual cash value (ACV) and the amount owed on the loan of your car if your car is totaled or stolen. Standard auto insurance covers the current depreciated value of your car.
You don’t have to wait until renewal time to make adjustments to your auto policy. Updates can be made as circumstances in our lives change to ensure you have the proper coverage for your needs and budget.