Extended Water is the protection you need from the backup of sewers, drains or floods, which also include inland flooding, tidal water, storm surge or mudflow and mudslide. Erie offers this coverage as an endorsement to an Erie Homeowners Policy in North Carolina.
With Extended Water coverage, you get the peace of mind offered by Sewer or Drain Backup and Flood coverage. With this added protection from ERIE, youāll have coverage for direct physical loss to your home, garage or other structures, and personal property thatās been damaged as the result of an extended water event. That also includes personal property in your basement.
Why Get Extended Water Coverage?
As a homeowner, you expect your house and everything in it – from the foundation to the roof ā to be covered by your homeowners policy.
ButĀ did you know that flooding, which is the most expensive and common natural disaster in the United States, isnāt covered by most insurance policies? And while flood coverage can be required if you live in a high-risk zone, according to FEMA 25% of flood claims come from individuals living outside high-risk zones1.
Thatās where the Extended Water endorsement2 from Erie Insurance comes in. By adding this coverage to your ErieSecureĀ® Home policy or adding it as part of an ErieSecureĀ® Home Plus or Select bundle, you could have coverage for:
- Basements and other rooms that flood during a storm or various flooding events3
- Water that backs up from sewers or drains
- Repair or replacement costs for both your home and personal property3
- Additional living costs associated with temporarily relocating while your home is being restored4
- Flood avoidance reimbursement (up to $10,000) to help proactively protect your home before flooding occurs5
Need more information on how Extended Water Coverage can be added to your insurance portfolio? Call us at 919-524-2149.
Don’t qualify for Erie Insurance? Let’s talk about Flood Insurance as a separate policy! https://middlecreekins.com/flood-insurance-you-can-count-on/https://middlecreekins.com/flood-insurance-you-can-count-on/
Middle Creek Insurance offers coverage in North Carolina.
1 FEMA Fact Sheet, June 2019.Ā https://www.fema.gov/press-release/20210318/fact-sheet-myths-and-facts-about-flood-insurance.
- 2Extended Water coverage endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program. Not available in all states.Ā
- 3Extended Water coverage is not intended to provide coverage for damage caused by leaking or wet foundations or basements, water damage caused by normal wear and tear or other maintenance related damage. Insurance products are subject to terms, conditions, exclusions, limits, sub-limits not described here.Ā
- 4Additional living expense is subject to terms, conditions, sub-limits and are limited in duration. The cause of the flood, as determined by ERIE, may impact the duration for which living expenses are paid after covered event.Ā
- 5Reimbursement for flood avoidance is subject to certain conditions and limitations not mentioned in this insert. Please talk to your Middle Creek Insurance Agent. ERIEĀ® insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). Not all companies are licensed or operate in all states. Not all products or services are offered in all states. ERIEĀ® life and annuity products are not available in New York. Go to erieinsurance.com for company licensure and territory information.
The policy contains the specific details of the coverages, terms, conditions, exclusions, limits, and sub-limits. Please talk to your ERIE Agent. ERIEĀ® insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). Not all companies are licensed or operate in all states. Not all products or services are offered in all states. ERIEĀ® life and annuity products are not available in New York. Go to erieinsurance.com for company licensure and territory information.
Want to learn more? Visit Erie Insurance blog at Extended Water | Erie Insurance
