Water Sewer Backup Coverage Homeowners

What is sewer backup coverage.

Water sewer backup coverage homeowners. This way whether you experience a backed up drain or sump. You must add it to your policy by endorsement to make sure you re adequately protected. Sewer backup coverage can also help you recover some of the property lost due. Grange insurance provides sewer line coverage for 50 to 250 per year depending on the limits you choose and the risk exposure of your property.

Water backup coverage for homeowners. We recommend that all property owners have this coverage even if you have an unfinished basement or lower level. Sewer backup coverage is an essential coverage on homeowners insurance policies. There are policies that provide coverage for water backing up through sewers or drains as long as it originates on premise.

Water backups and sump pump overflows are something you need to be prepared for and thankfully there are easy steps you can take to cover. You may however be able to purchase additional sewer or water backup coverage that may help cover damage from that type of event. On standard homeowners insurance policies the coverage usually can be purchased as an optional endorsement. Since water backups are such a common and pesky problem just about every company offers this coverage enhancement and it s a fairly high value add on costing as little as 30 a year on top of your standard coverage.

No matter if an appliance malfunctions and starts pumping water into your kitchen or you find standing water in your basement from a sump pump failure cleaning up the result is costly. Usually your home s septic tank is built to remain at a safe level and dissolve waste from your bathrooms. The good news is that water and sewer backup coverage can be purchased under your homeowner s or commercial property policy and it s very affordable. To gain the coverage you ll need to add an optional water backup endorsement to your policy whether by calling your ihs insurance group agent or your insurance carrier directly.

Water backups can be a pain. In many cases the carriers will offer 5 000 or 10 000 per incident for a premium of 20 75 per year. Water that backs up from a sewer or drain can create a clean up nightmare and also damage appliances like electrical circuitry furnaces and water heaters as well as personal belongings stored in your lower level. Some insurance companies offer water backup coverage homeowners insurance riders for as little as 50 per year for around 10 000 in coverage.

However when it comes to damage caused by water that backs up through sewers or drains this peril is expressly excluded by most homeowner s policies. 5 sewer backup coverage can be added to a policy for as little as 40 to 50 a year according to the insurance information institute. 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. This type of coverage can help you with the costs of cleaning up the gross backup sewage that has seeped into your yard as well as repairing your septic tank.

However if something goes wrong sewer backup coverage is available as an endorsement to your home insurance policy. Homeowners insurance is designed to cover a sudden and accidental loss but there are exclusions.