Sump Pump Failure and Water Backup Coverage
Whether your basement is where you store your treasures or a finished space for entertaining, the right protection gives you peace of mind. Water backup and sump pump failure coverage is an optional add-on that can put your mind at ease.
What is Water Backup Coverage?
Water damage due to sump pump failure can be costly. Our water damage and sump pump failure coverage is designed to mitigate the cost of repairs caused by water leaking into a home due to a backed-up drain, malfunctioning sump pump or other pipe and drain faults. While it’s not automatically included in a homeowners policy, it can easily be added on for a fraction of what it would cost to repair and replace water-damaged items in your home.
Your sump pump is designed to remove excess water that accumulates around your home’s foundation. If the system ever fails or the power goes out, water overflow may occur. And you're typically not covered for this type of damage with your homeowners insurance. Having water backup and sump pump overflow coverage gives you that important layer of protection.
Our water backup and sump pump failure protection covers the following damage:
Sewer systems. America’s sewer systems are generally pretty dated, and as with any old infrastructure, these systems may be prone to failure. If a city’s sewer system has issues, regardless of who is at fault, your home could be in for some pain.
Sump pump failure and overflow. A sump pump can be the hero of your basement, pumping excess water out of your home and into areas where it can disperse. But if it fails, you might be in for a soggy basement and expensive repairs.
If you’ve invested in finishing your lower level, you know how important this extra space can be. It deserves customized protection that’s as unique as your home. This coverage completes the project and safeguards your investment from water damage in the event of sump pump overflow and water backup.
Do I Need Water Backup Coverage?
If you’re still not sure if you should add coverage, consider the following things that might make your home a higher risk for water backup:
You live in a rainy area. The more it rains, the more work your sump pump has to do. And when your sump pump is constantly running, it runs the risk of burning out faster than an average one.
Your home has an old sump pump. Check your sump pump regularly and look for any signs of wear and tear — replacing an old sump pump that hasn’t failed yet is a much better option than waiting for it to fail.
In addition to having sump pump coverage, you can have a battery backup in the event of power failure that will keep the pump running. And if the pump fails, having a second sump pump handy can help you avoid water damage.
Added Water Backup Coverage, Extra Peace of Mind
Your household is made up of many moving parts, which is why we offer optional coverages for you to build a homeowners insurance policy that fits your unique needs. Connect with your American Family Insurance agent to see if water backup or sump pump overflow coverage is right for your home. They’re happy to help you customize insurance for your home.