If you or someone you know has a basement, you need to read this notice:

One out of every three homeowners experience a water intrusion in their home and may not know to make sure they have an additional rider for “sump pump failure or water back-up” coverage as part of their homeowner’s insurance policy.  Please take 15 minutes out of your day to call your insurance agent to confirm you have this protection and inquire about the limits available and the deductible amount specifically for this rider.  Many basements are very nice these days or you may be storing your belongings in the basement?  And guess what?  They may not cover your belongings.  Please, don’t forget to check on this.  This coverage is very affordable and well worth it!  If your current Insurance Company does not offer this coverage, ask your agent for a recommendation of other homeowner’s coverage as many Insurance companies do offer this rider.  

Chris Yatooma