Do you have/need water backup coverage?
Do you have a sump pump in your home/apartment? Do you know a homeowners/renters policy in Michigan does NOT cover backup of sewer or drain without endorsement? If your sump pump ever fails due to power outage or battery backup not working, you could find yourself with a flooded basement and ZERO coverage!
Water backup is NOT the same as a flood
If you read my previous post "Do I need flood coverage", you know that flooding and water backup are considered two different things. Water backup is typically described as water that enters the home from BELOW. Think floor drain or sump pump. However, if the nearby lake/river overflows and floods your basement - this coverage will do you no good.
The endorsement typically runs less than $10/mo. and is usually called "Backup of sewer/drain". Make sure you have it!
Have an insurance question? Call us anytime at 734-662-3100.