Homeowners insurance typically excludes coverage for sump pump failures and the resulting water damage, unless a specific endorsement is added to the policy
Coverage for basement damage due to sewage backups isn't usually included in standard homeowners insurance policies but can be obtained through additional endorsements
Homeowners insurance generally doesn't cover basement flooding caused by maintenance issues or damage that occurs over time, such as from an old, leaking pipe
Government-backed flood insurance through the NFIP often does not cover items in basements, but private flood insurance may offer more comprehensive coverage for basement contents
A popular and relatively inexpensive endorsement, water backup coverage protects against damage from sewage, sump pump, or drainage backups, but doesn't cover the repair or replacement of the sump pump itself
Homeowners insurance doesn't typically cover basement flooding from external sources like storms, especially in designated flood zones; separate flood insurance is recommended in these areas
Regular home insurance policies usually do not cover basement flooding caused by storms, regardless of the property's location in a flood zone
Many insurance companies offer an endorsement to cover flooding due to faulty sump pumps, which is not covered under standard homeowners insurance policies
For coverage of basement flooding due to external sewer backups, many insurers provide an additional endorsement since standard policies don't typically cover this
Homeowners insurance generally does not cover basement flooding caused by water seepage or foundation issues, as these are often considered maintenance problems