Add Sewer and Drain Backup coverage
Sewer and drain backup coverage is very inexpensive to add to a policy. It usually can be endorsed to a homeowners policy for less than $50.00 per year. The endorsement provides coverage for dwellings and personal property on the premises described on the Declarations for direct loss caused by water or sewage which backs up through sewers or drains, or which enters into and overflows from within a sump pump, sump pump well, or any other system designed to remove subsurface water which is drained from the foundation area.
Do you need this coverage? Here are a few situations where you could benefit from purchasing this coverage:
* Your sump pump fails and your personal property in your home gets water damage.
* Your sewer line backs up and sewer water damages your finished basement including furniture, carpeting, and walls.
Ways to prevent a backup: * Install a check valve, when installed in your sewer lateral it can prevent a backup into your home caused by a blockage in the sewer main. * Add a battery backup to your sump pump.
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