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Admin 
This is a great question... At Source Insurance Group, we actually go over this issue before you purchase your Homeowners Policy from us. Most Carriers have an endorsement (water backup) you can add to your policy for a nominal cost. It covers most damage caused by water backing up through sewers or drains. (please refer to a policy and endorsement for more details.)
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Source Insurance Group has been asked this question a lot. You need a seperate Life Insurance Policy and Disability Policy to help cover your expenses or those of your survivors. See our Life section for more information.
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