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Homeowner's Insurance Tip

June 8th, 2007 at 08:10 am

FYI - You might want to check and see if you're covered for cleanup from sewer backups. That is, unless you're willing to do the cleanup yourself--yuck!

DMom is going through this right now, and the cleanup is even going to involve removing basement shelving and other old wood that can't be sanitized. It's going to run into several thousand dollars--and she discovered her homeowner's insurance won't cover it.

Apparently you need to add an extra rider to your policy to cover this sort of thing. She hadn't thought of it, and her agent hadn't suggested it.

Luckily, we're with a different company, which automatically adds the rider unless you specify you don't want it. It's costing us $50 a year for $3000 of coverage. Worth every penny, as far as I'm concerned!

2 Responses to “Homeowner's Insurance Tip”

  1. scfr Says:

    Good tip ... That type of cleanup is definitely not my idea of a DIY type of project (ugh)!

  2. Amber Says:

    Great tip, I will let my mom know

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