What it does
Provides water back-up and sump discharge or overflow coverage with broader terms and limits than the limited endorsement.
Who needs it
Homes with finished basements and higher values exposed to back-up losses.
Quoting and selling notes
- Compare limits and deductibles with HO 04 95 before selecting.
- Neither endorsement covers flood or surface water; recommend separate flood coverage where appropriate.
Editions and availability
Editions in use and where they apply: 03 22 (36 jurisdictions).
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.
