Water Backup Coverage

water backup Coverage from MVR Insurance Agency

Protecting Your Home Beyond Homeowners Insurance

Most basic home insurance policies have limited coverage for water damage. As a homeowner, it's important to understand exactly what you're covered for in case of water damage.

Generally speaking, water damage may be covered under your home insurance policy if the damage is “sudden and accidental.” For example, damage from a frozen pipe bursting or a roof leak from a fallen tree may be covered if you've kept your home in a good state of repair.

Water Backup, also referred to as “sewer and sump pump overflow,” or “escape of water” coverage, is an optional coverage homeowners can add to their policies to help cover the cost of water damage caused by sewer backups, or sump pump failures.

Water Backup may help cover water damage caused by:

To give an example, let's say the sump pump in your basement malfunctions and causes damage to the carpet. Water Backup will help cover the cost of replacing the carpet but not the sump pump or other equipment that contributed to the damage.

If a backup occurs water backup coverage can cover the physical loss of:

Water Backup does NOT cover:

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MVR Agency