As severe weather seems to be the norm rather than the exception these days, it’s good to make sure you have the coverage you need for your home and personal property. Make sure you have Water Back-up of Sewers and Drains coverage on your home-owners policy.
Most insurance companies, including State Auto, offer the option to purchase Water Back-up of Sewers and Drains coverage. State Auto’s Water Back-up of Sewers and Drains endorsement covers direct physical loss to your home and what you have in it caused by water or waterborne material that backs up through sewers or drains or overflows from a sump pump. This coverage is especially beneficial if your basement is finished, or if it contains anything of value (like a furnace, hot water heater or personal property) that could be damaged. Keep in mind though, that water backup coverage does not apply to a loss caused by flooding. A separate flood policy is needed to protect against flood damage.
Because a waiting period may apply, contact us soon about Water Back-up of Sewers and Drains, and make sure you have this very important coverage.