There are 2 additional coverages that the Eric L. Ash Insurance Agency recommends adding to your homeowner’s policy.
First is service line coverage. This coverage protects you from the cost of repairing or replacing underground water, sewer, electrical and gas lines. This coverage will help protect you from costly repairs or replacements that may be needed if the service line is damaged or fails. This coverage does not cover damage caused by normal wear and tear or gradual deterioration. This endorsement is relatively inexpensive compared to what the individual utility companies charge.
The second endorsement we recommend is water back up coverage. Water back up coverage protects you from the cost of damage caused by water backing up through sewers, drains, or sump pumps. This coverage can protect you from costly repairs or replacements that may be needed if the water back up causes damage to your property. This coverage does not cover damage due to flooding. A separate flood policy would need to be purchased for that specific coverage.
Tips shared by Heather Henry, Eric L. Ash Insurance Agency customer service advisor.