Protect Your Home with Water Back-Up Coverage for Your Homeowners Insurance Policy

As a homeowner, you take great pride in your property and work hard to keep it in good condition. But even with the best efforts, water damage can occur, especially if you have a basement or live in an area prone to flooding. That’s why it’s crucial to have water back-up coverage for your homeowners insurance policy.

Close-up Of Flooded Floor In the living room From Water Leak

What is Water Back-Up Coverage?

Water back-up coverage is an insurance policy that protects your home from water damage caused by a backup of water or sewage from your home’s plumbing system. This coverage is not typically included in a standard homeowners insurance policy, so it’s important to add it as an endorsement to your existing policy.

red bucket and mopping of wooden floors

Why Do You Need Water Back-Up Coverage?

Water damage can be expensive and time-consuming to repair. If water backs up into your home, it can damage your floors, walls, furniture, and personal belongings. In some cases, it can even cause mold growth, which can be hazardous to your health. Having water back-up coverage can help you pay for the cost of repairs and replacements.

What Does Water Back-Up Coverage Typically Cover?

Water back-up coverage typically covers damage caused by water or sewage that backs up into your home’s plumbing system. This can include damage to your floors, walls, furniture, and personal belongings. Some policies may also cover the cost of cleanup and repairs to your plumbing system.

How Much Water Back-Up Coverage Do You Need?

The amount of water back-up coverage you need depends on several factors, including the value of your home and personal belongings, as well as the potential cost of repairs and replacements. Most insurance companies offer coverage limits ranging from $10,000 to 50% of your Coverage A. It’s important to work with your insurance agent to determine the right amount of coverage for your specific needs.

The Importance of Water Back-Up Coverage for a Finished Basement

Water back-up coverage is especially important if you have a finished basement. Finished basements often contain valuable items, such as electronics, furniture, and other personal belongings. If water backs up into your basement, it can cause significant damage to these items, and the cost of repairs and replacements can be substantial. Water back-up coverage can help protect your investment and provide peace of mind.

Why Sump Pumps Aren’t Enough

While a sump pump is important to have in a house, it only kicks on when water gets too high, causing major damage. It may not be enough to prevent water damage from occurring in the first place. Sump pumps can also fail due to power outages, mechanical malfunctions, or overwhelming water flow. Having water back-up coverage provides an additional layer of protection in case your sump pump fails or can’t keep up with the water flow.

How to Get Water Back-Up Coverage for Your Homeowners Insurance Policy

If you’re interested in adding water back-up coverage to your homeowners insurance policy, contact your insurance agent. They can help you understand your options and provide a quote for the cost of the coverage. You may also want to consider bundling your water back-up coverage with other endorsements, such as buried utility line coverage, for additional protection.

If you’re interested in us doing a comprehensive review of your insurance coverage, fill out the form below!

Sherry BermanSherry Berman
17:55 08 Dec 22
We just moved over to e3 with Chris Stone, 1 1/2 years ago. Our house flooded during snowmeggedon in Texas last February. The insurance companies were overwhelmed with phone calls from Texas. Our insurance company was not responding to us on a timely basis, and because of the supply chain shortage, we knew we needed to act quickly. Chris knew who to talk to at our insurance company, and was a total advocate for us and made sure that our needs were being taken care of. Our last insurance agent was the advocate for the insurance company, not us. Chris knows the business inside out. He guided us along the process of what to do. e3 represents many different insurance companies, which gives Chris the ability to guide you into the best policy that meets your needs. He explains the insurance lingo in layman terms, and makes sure that you and your family are protected. My husband and I totally trust Chris to give us the best policy with in our budget.
Andy BermanAndy Berman
21:56 07 Dec 22
e3 Insurance and Chris Stone are simply the best!! After experiencing a flood in our house and a total redo necessary, Chris made the experience completely seamless!! There simply is no one better!!
Alex ThipkhosithkunAlex Thipkhosithkun
19:32 03 Nov 22
I can't say enough good things about Chris at e3 Insurance. He really is an expert in his field and was really helpful and thoughtful through my home and car insurance purchasing experience. But it doesn't stop there. Recently, I was facing a relatively stressful plumbing situation with my newly purchased house and after talking to Chris and putting me in contact with the right people, they had someone come out THAT afternoon-- Amazing!
Austin SandozAustin Sandoz
14:45 06 Oct 22
Chris was a client of mine for a long time. When I reached out to get a quote I was blown away. I found out my brand-new 2022 Jeep was severely underinsured and I had little to no protection for my assets.After comparing my old policy side by side with my new policy he was able to quadruple my coverage and protect my assets for LESS than what I was paying before. When it's done right, it's done right.
Sheryl KlousiaSheryl Klousia
14:29 06 Mar 22
Chris has been extremely helpful in finding us great policies for house and car insurance. He reviews our policy yearly to ensure we are getting the best rate and best coverage… and recommends changing when needed. We are very satisfied with his service… he has saved us so much over the 3 years that we have been with him ! So glad we found him. Our kids all use his services also !

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