Essential Coverage in Homeowners Insurance That You Might Be Missing

Christina DeSimone
Mar 19
1 min read

Many homeowners assume their insurance policy covers every type of water damage.

Unfortunately, that’s not the case.

One of the most overlooked protections is Water Backup Coverage.

What It Covers

Water backup coverage protects you if water backs up into your home through:

• Sewer lines• Drains• Sump pump failures

This type of loss can destroy flooring, drywall, and personal belongings in a finished basement.

Why It Matters

Finished basements are extremely common in New York and New Jersey.

Without this endorsement, homeowners may discover their claim is not covered at all.

Adding water backup coverage is usually inexpensive and can prevent a major financial loss.

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