Are you prepared for the unexpected water damage that can result from sump pump failures, clogged drains, or backed-up sewers? Many homeowners overlook water backup coverage, but it’s essential protection that every homeowner should consider. As a local insurance agency, Riseson Insurance is here to help you understand how this coverage works and why it’s vital for homeowners in Arizona.

Water backup coverage is an optional add-on to your homeowners insurance policy that covers damage caused by water backing up through sewers, drains, or sump pump failures. It’s particularly valuable for homes in areas where heavy rains or old plumbing systems make backups a frequent issue. With this coverage, you'll be protected from costly repairs and potential replacement costs for belongings damaged in these situations.

Here in Arizona, our climate and aging infrastructure make water backup issues a common concern. Even if your home isn't in a flood zone, unexpected heavy rains or sudden drain blockages can result in significant water damage. Standard homeowners insurance typically doesn’t cover this type of damage, leaving many homeowners surprised by uncovered expenses.

Water backup coverage offers peace of mind and financial protection against these types of events. For example:

Protect Your Basement and Valuable Belongings: Finished basements and stored items are particularly vulnerable. Without proper coverage, you could face high repair and replacement costs. Safeguard Against Sump Pump Failures: A sump pump failure can happen at any time, especially during heavy storms. Water backup coverage steps in when the unexpected occurs.

The cost of water backup coverage varies depending on the coverage limits you choose. Most policies offer coverage from $5,000 to $25,000, allowing you to select the level of protection that suits your needs and budget. At Riseson Insurance, we’ll work with you to find the best policy options and coverage amounts tailored to your home.

The cost to repair or replace items due to a sewer backup can be extensive, with damages ranging from $5,000 to $20,000 or more depending on the extent of the damage. For most homeowners, water backup coverage is well worth the small additional premium, as it can prevent a major financial hit.

As a local agency, Riseson Insurance understands the specific risks and needs of our community. Our dedicated team provides personalized guidance on selecting coverage options like water backup protection, ensuring you get the most comprehensive and cost-effective coverage for your home.

Contact us today at 602-460-5470 to discuss your homeowners insurance and find out more about adding water backup coverage. Protect your home from unexpected water damage with a local agency you can trust—Riseson Insurance.

What is Water Backup Coverage?

Why You Need Water Backup Coverage in Our Area

How Much Does Water Backup Coverage Cost?

Is Water Backup Coverage Worth It?

Why Choose Riseson Insurance?

• Protect Your Basement and Valuable Belongings: Finished basements and stored items are particularly vulnerable. Without proper coverage, you could face high repair and replacement costs.
• Safeguard Against Sump Pump Failures: A sump pump failure can happen at any time, especially during heavy storms. Water backup coverage steps in when the unexpected occurs.