Water backup: the one the east side needs
Water that comes up through a floor drain, a sewer line, a sump pit or a toilet is “backup,” and it is excluded from the base homeowners policy. A water backup endorsement adds it, usually with a limit you choose — $5,000, $10,000, $25,000 or more. Finished basements, home theaters, second kitchens and storage all argue for a higher limit. The premium is modest compared with a finished basement.
Flood: surface water from outside
Flood is water rising from outside the house — a lake, a river, storm surge, or runoff that enters at grade. Homeowners policies exclude it. It is insured through the National Flood Insurance Program or a private flood carrier. Most of the Pointes are not in a high-risk flood zone, but a house near the lake or a canal in the Shores may be, and a lender will require flood coverage if so. Ask Carly to check the flood zone for your address.
Sudden and accidental: what the base policy does cover
A burst pipe, a failed water heater, a washing machine hose — sudden discharge from inside the house is typically covered, subject to the deductible. Slow leaks, seepage through the foundation, and long-term neglect are typically not. The distinction is about cause and speed, and it is why documenting a loss quickly matters.
The sump pump questions
Carriers will ask whether you have a sump pump, whether it has a battery or water-powered backup, and whether there is a check valve or backflow preventer on the sewer line. Each of those improves eligibility for backup coverage and can lower the price. If you installed a backflow valve after 2021, tell Carly — it matters.
This guide is general information about insurance in Michigan, not advice about a specific policy. Coverage depends on the policy’s terms, limits, exclusions and eligibility, and a request does not bind or change insurance.