While not wanting to dampen your anticipation of this long-awaited season, it is a good idea to review some optional coverages you may wish to add to your current homeowners policy.  Flood insurance as well as the sewer back-up and earthquake endorsements are worth a brief examination. 

Flood : Since flood damage is excluded under your homeowners coverage, you should be aware that flood insurance is available from the National Flood Insurance Program.  Most Ohio communities have qualified for the program that provides coverage for surface flooding only.  Structural and contents protection are offered.  A $500 deductible applies. 

Sewer Back-Up : This endorsement provides protection for direct loss caused by water that backs up through sewers, drains or sump pump wells.  Just as flood insurance excludes coverage for sewer back-up, this endorsement excludes any coverage for damage due to flooding.  Coverage is subject to a deductible. 

Earthquake : Coverage is available with the premium determined by the structure of your home or building.  Because it will better withstand an earthquake, a frame structure is less to insure than a masonry one.  A substantial deductible (often a percentage of the amount of insurance that applies to the destroyed or damaged property) is in effect. 

For clarification of your current policy or information regarding the above coverages, please contact us. We welcome the opportunity to evaluate your present needs and to discuss possible insurance improvements for you and your family.

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