Photo of rainy conditions in front of a home

WATER BACKUP AND SUMP DISCHARGE OR OVERFLOW COVERAGE

Provides homeowners with broader protection against property losses if water or sewage backs up into their home. Available exclusively through an independent insurance agent near you.

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If water or sewage seeps into your home, it can cause substantial structural damage as well as ruin personal belongings. The Andover Companies Water Backup and Sump Discharge or Overflow Coverage may help you pay for the cost of cleanup, repairs, and replacement items.

Photo of a fan plugged in to dry a carpet after water damage

WATER BACKUP AND SUMP DISCHARGE OR OVERFLOW COVERAGE HIGHLIGHTS

A standard home insurance policy generally provides coverage for water damage if it is caused by a sudden or accidental event, like a burst pipe. However, if water or waterborne materials enter your home due to a drain or sewer backup or an overflow or discharge from a sump, sump pump, or related equipment, the resulting losses may only be covered if you have Water Backup Coverage.

If a backup occurs due to a covered event, Water Backup and Sump Discharge or Overflow Coverage provides additional, limited coverage for repairs and mitigation related to the following types of direct physical losses:

Structural, such as walls and flooring
Personal belongings, such as furniture, electronics, and carpets
Standing sewage in the home
Minor mold damage that is the direct result of the water or sewer backup
Medical Payments to Others
Loss Assessment

CONTACT YOUR LOCAL AGENT FOR INFORMATION

DO YOU NEED WATER BACKUP COVERAGE?

While this home insurance endorsement is generally a valuable add-on coverage for every property owner, the following questions may help you evaluate your level of risk for a water or sewer backup or sump pump overflow:

Do you live in a climate that gets lots of storms or periods of heavy rainfall?
Does your community experience frequent or seasonal power outages?
Do you have an older home or a sump pump that is not brand new?
Is your area’s sewer system aging?
Do you have a basement?
Are trees located close to your home?

If you answered yes to one or more of these questions, your home may be vulnerable to a water backup. Please contact your local insurance professional about broadening the protection for your property with Water Backup Coverage.

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with the Agents We Serve and People We Insure

“I feel comfortable having my insurance with The Andover Companies. I know that if something terrible happens, they will be there to support my family and guide us through the process. Insurance can be confusing, especially when you have multiple policies, but they have simplified the details so we can understand everything easily!”

Bianca and Ray L.

Homeowners

“The Andover Companies service team is professional, personable, and extremely helpful. We’ve had our homeowners insurance with The Andover Companies for over six years and are happy to have recently added our secondary home with them in another New England state. I highly recommend insuring with them.”

Craig G.

Homeowner

“You can truly understand the value of your home insurance when you have a claim. My husband and I experienced firsthand how easy it was to work with The Andover Companies. A tree fell on our property, blocking the driveway. We submitted a claim with Andover and within days had a check in hand to reimburse us for the tree removal. The process was seamless.”

Lisa and Ted R.

Homeowners