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How much does an Overland Water Endorsement cost?

May 20th, 2015 / FAQs - The Cost /

The cost of adding an Overland Water Endorsement to your home, condo or tenant’s insurance policy depends primarily on your dwelling’s location. Just like your standard home insurance policy, rates are calculated based on your risk for an insurance claim. If you reside in a high risk flooding area, your rates will most likely be higher than those who live in low risk areas. For most people, Overland Water coverage is affordable and, in some cases, can even cost less than your Sewer Back-up Endorsement. The best way to know for sure is to contact one of our expert brokers who will be able to provide a quote right away.

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Do I need both sewer back-up coverage and overland water coverage?

May 20th, 2015 / FAQs - The Cost /

Yes, you will need both endorsements on your policy to be fully covered for water events. Sewer Back-up and Overland Water Endorsements work together to provide you with comprehensive coverage. After the floods of 2013, many insurance companies placed tighter guidelines and increased exclusions on sewer back-up coverage. One major exclusion, for example, is that if overland water enters your home causing flooding, your sewer back-up claim may be denied. By adding both a Sewer Back-up Endorsement and an Overland Water Endorsement to your  insurance policy, you will have comprehensive coverage in the event of a claim.

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How would I make an overland water claim?

May 20th, 2015 / FAQs - The Cost /

Once you have added Overland Water Coverage to your insurance policy, you will be given a phone number for a claims hotline that is available 24-7 for your convenience. A claims representative will walk you through the process at that time.

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