What it does
Covers direct physical loss from water back-up and sump discharge or overflow originating within the dwelling's systems, up to the scheduled limit, otherwise excluded by the water exclusion.
Who needs it
Homes with basements, sump pumps or finished lower levels.
Quoting and selling notes
- Flood (surface water) is still excluded; place NFIP or private flood separately. The 2022 program adds HO 06 95 for broader limits.
Editions and availability
Editions in use and where they apply: 03 22 (36 jurisdictions); 01 14 (8 jurisdictions: AL, CA, CT, GA, HI, LA, MT, VI); 01 09 (1 jurisdiction: PR).
Homeowners endorsements are built for a specific program edition. When a carrier moves a state from the 2011 (05 11) program to the 2022 (03 22) program, the endorsement editions move with it, so match the endorsement edition to the policy form edition shown on the declarations.
