This coverage is not included in the Sewer Back-up Coverage endorsement. This includes coverage for loss or damage from the sudden and accidental entry of overland fresh water through foundations, basement walls or basement doors. If you purchase this additional protection, you will have coverage for damage caused by overland water entering your property from torrential rains, rapid snow melt, or overflow of lakes, streams and rivers. We’ve made the Overland Water endorsement available for purchase in response to the effects of changing weather patterns and the increasing number of severe storm events that often cause property damage.
Will my home insurance policy include earthquake coverage? Water Escape: This covers water damage that may be caused when your bath or sink overflows or a pipe or hose inside your house breaks.(Sewer back-up can be added by endorsement) Sewer back-up: Water is forced through the sewer system back into your home, or your sump pump fails.Seepage refers to the slow movement of water or other fluid through small openings, cracks or pores in your home.Ĭauses of water damage that are usually covered by most standard home insurance plans (or can be added by endorsement) include:.Flooding results in damage from water that flows into your home from natural sources like lakes and rivers, or large amounts of pooled water.Insurance for some types of water damage may be included automatically in your policy, and some may need to be purchased as extra.Įxamples of causes of water damage that aren’t covered under most standard home insurance plans are flooding and seepage: Insurance coverage for water damage depends on a number of things, like where you live and how your home was constructed.
Yes, view extensions of coverage opens in new window Voluntary Property Damage opens in new windowĪdditional Living Expenses opens in new windowĬovered for up to 25% of Dwelling CoverageĮxtensions of Coverage opens in new window Voluntary Medical Payments opens in new window Property in Your Vehicle opens in new windowĬovered for up to 100% of Contents Coverage Personal Property at Other Location opens in new windowĬovered (while away from home temporarily) Special Limits on Certain Personal Belongings opens in new window Covered for up to 80% of Dwelling Coverage.Covered for up to 15% of Dwelling Coverage.Covered for up to 100% of the Replacement Costĭetached Private Structures opens in new window.The Comprehensive Homeowners Insurance Policy provides affordable protection against a wide range of risks.
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