Flood damage is not typically covered by a homeowners insurance policy.
Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.
There are some homeowner endorsements that will cover a back-up or overflow of sewers or drains or a sump-pump. These type losses sometimes do occur during flooding events. These endorsements will often have dollar limits substantially less than the flood policy
Floods can happen anywhere and without warning. 25% of homes with flood claims each year are in low risk zones just like yours. Give yourself and your family the peace of mind of knowing that they are protected should a flood happen. It will take a full 30 days from the time your policy is purchased to be valid so waiting to make this decision is a serious risk.
There are many things that you can do to protect your home and personal property. Click here to find out more.