Water Backup Insurance Allstate

In order to qualify for an excess flood insurance policy you first need to purchase a national flood insurance policy through allstate.

Water backup insurance allstate. A burst pipe or failed washing machine hose may be covered by a standard homeowners insurance policy with allstate but water damage caused by improper. What is water backup coverage. Excess flood insurance is provided by one or more insurance carriers not owned by or affiliated with allstate insurance company. You may however be able to purchase additional sewer or water backup coverage that may help cover damage from that type of event.

While the water backup endorsement ho 208 is less than a full page even in reasonably sized print it has a significant impact on the policy. The best way to understand an insurance policy and its endorsements is to mentally cut and paste the endorsements into the sections they replace. Without the endorsement you would be stuck paying for the cost of cleanup or damages caused by a sump sump pump or similar equipment that s not considered a plumbing system or household appliance. Water backup from an outside sewer or drain.

You also will not typically be covered by a traditional homeowners policy if water backs into your home through an outside sewer or drain. Our water backup and sump pump failure protection covers the following damage. Allstate insurance november 9 2018 november 7 2018 by jim chancellor hi i m tonia maxwell and i m an allstate agency owner in norwalk and vermilion ohio i m here to talk about water backup coverage which is optional protection that can be added to a homeowners insurance policy. Excess flood insurance coverage may currently be available in your state.

For instance it may help cover the cost of replacing furniture or removing water after an unexpected backup. If the system ever fails or the power goes out water overflow may occur. Having water backup and sump pump overflow coverage gives you that important layer of protection. Renters insurance endorsements can be complicated.

This coverage may help pay for water damage resulting from a backed up drain or sump pump. Water backup coverage that can help protect against water damage caused by your drain backing up or your sump pump breaking. And you re typically not covered for this type of damage with your homeowners insurance. Water backup coverage is an optional add on to a homeowners insurance policy.