Does My Homeowners Insurance Cover a Sewer Backup?

Homeowner’s insurance policies are designed to cover you and your home for most damage, including water damage. Water damage is covered when it is sudden and accidental; however, some damage to the house can be caused by a sewer backup. Luckily, sewer backups are considered sudden and unexpected, meaning the damage caused by the blockage is covered by your homeowner’s insurance. 

If you live in Plano, TX and wonder if your policy covers sewer backups, call the Paragon Independent Insurance Agency experts. 

Does Homeowners Insurance Cover a Sewer Backup? 

Your homeowner’s insurance policy should cover a sewer backup if you had specific sewer backup coverage included as an endorsement within the policy. This insurance coverage pays for damages associated with sump pump failures, tree roots, pipelines, and other causes related to a sewer backup. 

Top Causes of Sewer Backups

Many things can cause your sewer to back up, and when it happens, it can create a mess and damage your personal property. Some top causes for sewer backups include: 

  • Sump Pump Failures: This is the leading cause of sewer backups because the sump pump is responsible for removing and disposing of water, preventing your basement from flooding. 
  • Outdated Sewer Systems: When sewer systems get old and obsolete (40 years or older) can cause the sewer system to fail, crumble, or fall apart, causing a backup in your home. 
  • City Pipelines: Sometimes, city pipelines get flooded and backed up during storms. Additionally, city sanitary blockages can cause a backup if not detected and fixed in time. 
  • Tree Root Blockage: Tree roots are powerful and determined to get to a water source. Sometimes the roots penetrate sewer systems, which can cause a backup. 

It is very affordable to add sewer backup coverage to your homeowner’s policy in Plano, TX. Call the Paragon Independent Insurance Agency experts for more information about this additional coverage for homeowners insurance policies. 

How Much Auto Insurance Do I Really Need?

Are you about to purchase a vehicle or have you recently gotten your license and need to get automobile insurance? If so, there are some things you should know beforehand. An expert at Paragon Independent Insurance Agency of the Plano, TX region can assist you with the process so you know just how much insurance you’ll need for your situation. 

Get the Coverage You Need 

Make it a point to get adequate car insurance for your state’s minimum requirements as well as to protect your finances. If your vehicle is damaged in an accident or in some other manner, it can be costly to repair or to replace if you have a total loss. There is some type of minimum auto insurance in every state that you must have to be able to drive legally. 

Beyond this, the amount you should have in coverage depends on factors such as your car’s value, where you live, your driving habits, and your financial situation. This should be a serious discuss you have with the company from which you plan to get your policy. 

Top Considerations 

In addition to looking at your situation, you’ll want to have an agent compare the cash value of your vehicle to the cost of collision and comprehensive coverage. If this coverage would cost more than 10 percent of your car’s value minus your deductible, then it’d be best if you skip it. 

Liability insurance is a key thing to have when it comes to protecting your finances. Your agent can calculate how much you’d need in order to cover the total value of your net worth. If you have assets worth over a certain amount, they’ll recommend a specific liability policy that goes above the standard amount. 

Some other types of coverage you might consider include Personal Injury Protection, Uninsured/Underinsured Motorist, Medical Expenses, and gap insurance bridges (which do what it sounds like, covering the difference if your automobile is a total loss). 

The experts at Paragon Independent Insurance Agency of Plano, TX and beyond are ready to help you get the insurance that you want and need. Reach out to us with your questions and concerns today.