Avoid at Your Peril

When reviewing your homeowners policy’s exclusions, buy supplemental coverage to cover the risks that pose loss concerns. For example, flood insurance is never included in the standard homeowners policy, but coverage is available from the National Flood Insurance Program.

Without a special rider, sewage backup is also usually excluded from homeowners policies; however, it should not be overlooked. For a relatively inexpensive amount, homeowners can avail themselves of enough coverage to fill one of the most common gaps that homeowners face during storm season.

It is often the case that, as local sump pumps empty water from flooded basements into the overtaxed sewer system, sewage can back up into homes even with no previous damage.

For more information on purchasing flood insurance, contact Hunter Insurance at 401-769-9500.

NOTE: A “named perils” homeowners policy is more narrowly defined and not necessarily less expensive than a broader “all risks” policy.