We highly recommend considering Sewer or Water Backup coverage. With the growing construction of homes and shopping centers, existing sewer systems can be strained, particularly during and after rainstorms. When these systems can’t handle the excess water, your home might be at risk. While standard homeowners policies typically exclude this type of loss, we can often add specific coverage for Sewer or Water Backup. This is especially crucial if you have a finished basement, store belongings in an unfinished basement, or have vulnerable appliances like a furnace or hot water tank. Adding this coverage provides an additional layer of protection tailored to potential risks associated with your property.