What is or is NOT covered???

The age old question what does this policy really cover?  Last week we delved into the issue of Flood which is never covered on a standard homeowners policy.  Let's talk sewer & drain, sump pump failure coverage.  This is for sure another way water enters the home is it covered?  The answer is a resounding NO it is not!  Especially if you have a basement and do not have this endorsement go out and add it tomorrow! 
Water the enters the home through a sewer, drain, or from a sump is not covered.  Think about what you have in your home not just the building, but the personal property that could be damaged.  Now, think about our rain as of late?  It is a scary proposition to be without this coverage.  Have you had water from a sewer back up in your home?  A sump pump in your home that could fail, will likely fail at some point?  Then you should have this coverage.  All of the resulting damage is not covered under your standard homeowners policy.
Earthquake yes that is another one NOT COVERED.  Most earthquake coverage carriers a very large deductible 2% Or 5% or more.  That is of your building coverage so whatever % deductible you have is based off of your "dwelling" value.  Your normal policy deductible does not apply.  Most earthquake damage is however very costly indeed.  Makes sense the earth moves and the foundation can crack, walls, the house can shift.  For this reason it is considered catastrophic insurance because it can cause catastrophic loss.  Same with flood, or sewer and drain back up, and sump pump failure.  Those coverage's that can cause catastrophic loss must be added to the policy.
Make sure when you are quoting your product, or when it comes up for renewal you are asking questions about vital insurance you need.  And if suggestions are not being provided or offered then switch it is time. 
We can keep you informed on new coverage's and vital endorsements that may affect your valued coverage's.  Brookson Insurance we really do business better because of you.
Have a safe and wonderful week!
Heather Swank
Owner / Agent
Brookson Insurance LLC
www.brooksoninsurance.com
Heather@brooksoninsurance.com