Cheap Home Insurance Dangers - Overland Park, KS - Sump Pump Failure

Cheap home insurance does come at a cost; normally sacrificing aspects of coverage in an effort to keep the premium as low as possible. Much like anything in life, you get what you pay for. One of the aspects of coverage that is often stripped is sump pump coverage. In Overland Park, KS, and the surrounding areas, all of our homes tend to have basements. While these basements are great for additional home square footage, they come with a risk.

With basements being below ground level, when it rains, water needs to be able to drain away from the house (hole in the ground) and not into it. This is where a sump pump comes in! A sump pump will assist in pushing the rain water away from the home and keep it from accumulating in the basement.

Did you know, with most home insurance policies, coverage for water/sewer back up coverage is NOT included? If you don't know to ask for it, there is a chance it would be omitted. This means, if/when your sump pump would fail and water were to back up into your basement, you could be left paying THOUSANDS out of your pocket because you wanted to save a few dollars on the insurance premiums.

Especially due to the fact that sump pumps run on electricity and would not work if/when the power were to go out during a storm (unless you have a battery backup), having this coverage added to your home insurance can allow you to sleep a little easier through the storm.

Contact your Agent and discuss if this coverage is needed and on your policy.
To review a home insurance option with The Wertzberger Agency, please contact us at 913-383-3276.