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What’s the difference between the Sewer Back-up Endorsement and the Overland Water Endorsement?
A Sewer Back-up Endorsement and an Overland Water Endorsement are two very different types of coverage. Sewer Back-up covers damage caused by the back-up of sewers, septic tanks, eaves troughs and downspouts. For example, it covers claims resulting from your toilets or taps overflowing into your home causing damage. An Overland Water Endorsement covers damage…
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Do I need flood insurance if I don’t live in a high risk area?
As we saw in 2013, flooding causes billions in damages and can devastate an entire community. Water damage can happen at any time and during any season from water entering your home as a result of torrential rain, melting snow or the banks of a river overflowing. No matter where you live, you should consider…
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Do I still need flood insurance if I am a renter?
We recommend that you add Overland Water Coverage to your tenant’s policy, especially if you live on the ground level or below grade. In the event of a fresh water flood, you could lose all your contents to water damage, costing you thousands of dollars. An Overland Water Endorsement, along with your tenant’s policy, will…