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Overland water insurance provides coverage from damage caused by sudden overland water entering your home at or above ground level. This includes protection from heavy rains, sudden snowmelt, spring run-off, as well as overflow from lakes and rivers.
The changing weather patterns of the past couple decades have caused an increase in rain days and rain levels. There are now twenty times more storms and floods than there were in the 1980s or 1990s. The increase in water accumulation means that the water levels in lakes and rivers are far more likely to rise and pose a risk to homes. Overland water insurance is the protection you need to secure your home from the changing climate.
Important to Note:
Overland Water Coverage is an enhanced or optional protection. It is not included in standard water protection insurance policies.
Overland Water protection does not include sewer backup or traditional water damage coverage, though it is often combined with other types of water protection to give you full coverage from water damage.
Overland water protection insurance is not the same as sewer backup insurance. If surface water enters your home through the sewage system, you may be covered under Overland Water coverage.
Overland water protection is different from traditional water damage coverage. Traditional water damage insurance plans typically only cover damage to your home caused by something inside your home, like a burst pipe.
Overland water protection insurance does not cover ground water seeping slowly into your home, it only covers water penetrating your home suddenly from overland sources.
Overland water protection is not flood insurance. The term flood in insurance covers coastal flooding from salt water. Traditional flooding coverage does not include heavy rainfall events while overland water protection does. It is designed specifically for fresh water events.