From the Forum – Homeowners Insurance Questions

Photo by PoPville flickr user clif_burns

Homeowners Insurance Questions:

“We are looking at homeowners insurance for our bungalow and wondering if folks have any recommendations on how much coverage to get.

In particular, we’re wondering whether to add sewer/drain backup insurance. It’s an additional $146/year, which seems high (about 15% of the annual cost). We have an unfinished basement and everything we store in it is on tables, not on the ground. Even our appliances are lifted a few inches off the ground.

I’m wondering, in the case of sewer backups, what typically happens? An inch or two? Or a foot or two? We have a $2500 deductible, so would an overflow really cost much more than that?

The house had a minor sewer backup a few years ago due to tree roots in our line that connects to the main line. It wasn’t a big deal in the basement, and the entire old line was replaced with PVC.

I’m inclined to not get the backup insurance given that we have a new line and not likely to have much damage in the basement. But I wanted to hear others’ experiences – am I missing something? Thanks!”

You can see all forum topics and add your own here.

Recent Stories

Thanks to Nana for sending from Metro Center. Well if metro is going to be a mess, this makes it a bit better… *This series features any pets in a…

1601 Connecticut Avenue, NW Foxtrot has been shooting for an October opening and now they’ve applied for their liquor license: “A new Retailer’s Class B Full-Service Grocery store selling beer…

Photo by angela n. You can talk about whatever is on your mind – quality of life issues, a beautiful tree you spotted, scuttlebutt, or any random questions/thoughts you may…

photo by Dean Clark From WMATA: “As part of the investigation into the Blue Line derailment, Metro is holding out of service all of its 7000-series railcars, which is nearly…


Subscribe to our mailing list