What’s your backup plan to protect your home?
More than 500,000 sewer backups occur each year in the United States,1 yet most homeowners insurance policies don’t automatically include coverage for sewer and drain backups. If this happens to you, think of everything that may need to be repaired or replaced once the water/sewage has been extracted: pipes/plumbing, ductwork, carpets/floors, drapes, walls and damaged property. According to the Civil Engineering Research Foundation, the number of backed up sewers is increasing 3% annually.2
A standard homeowners policy may provide limited, if any, coverage for sewage backup or sump pump backups.3 You can purchase an endorsement for backup coverage, but the limits may not provide the appropriate coverage you need for your high value home and contents.
Did you know you may be responsible for maintaining the sewer lateral pipeline between your home and the sewer main? If you are faced with a backup, it’s important to ensure your homeowners policy will adequately cover the damage.
How you may be at risk
Would your insurance policy cover you in these situations? The Nationwide Private Client homeowners policy is designed with these scenarios in mind and will allow you to maintain your lifestyle should you need to be relocated during repairs.
How Nationwide Private Client responds
With our homeowners policy we offer backup sewer and drain coverage up to the policy limit (subject to policy or state-specific deductible).
Our risk solutions professionals provide home surveys for eligible new Private Client policyholders to help identify additional ways you can protect your home and family — and possibly save you money on your premium by implementing protection measures.
Should you incur a water or sewage backup in your home or condominium, we allow you to work with the service professional of your choice to restore your home back to its prior condition.
Why it’s important for you
Coverage for backups caused by sewers and drains is not the same as flood insurance. Talk to your agent about whether or not you are adequately protected for sewer and drain backups.
Nationwide Private Client offers these added benefits:
Why Nationwide Private Client
Nationwide Private Client is dedicated to helping protect the assets and reputations of our clients. Our highly personalized insurance products, services and concierge-style claim management are thoughtfully designed to meet the distinctive needs of affluent individuals and families. We are committed to providing you a superior experience whenever you need assistance.