Water damage happens, especially in Winnipeg and the surrounding area. Homeowners need to take steps to protect their property from sewer backup and flooding, as well as making sure proper home insurance is in place. Flooding and seepage Off the top, it’s important to know that there is no coverage on a home insurance policy for overland flooding or seepage. Winnipeg has an undeniable history of flooding and, considering the tendency of sewer backup, homes in the extended area need proper coverage. Sure, you can have a sump pit and sump pump system installed. Landscaping and excavation will improve the drainage in your yard. It’s also a good idea to hire a plumber to install a backwater valve in the basement, tied to the local sewer line. Regular inspections and maintenance on these systems, as well as having a backup battery for your sump pump, help to protect your home and family from sewer backup. (It is also a good idea to consult with your alarm company, as some may offer monitoring on your sump pump.) But all of this hard work does not offer a guarantee against backups and flooding. Invest in Sewer Backup Insurance Ask our TEAM about adding specific coverage for sewer backups. Costs for this type of coverage vary depending on your home, the insurance company and the amount of coverage specified. In general, you can expect $5,000 in sewer backup insurance to add between $50 and $80 to your annual home insurance premium. You may opt for larger coverage, often stated in increments of $5,000, as long as you’re willing to pay a higher annual premium. Most homeowners consider this a wise investment, given the chance of a sewer backup occurring in their Winnipeg home. Review the details of your existing home insurance policy. If sewer backup insurance is not included, contact our TEAM immediately and find out the additional cost. Your peace of mind is worth the investment.