Are you covered for that ?

---

Most homeowners don’t realize they are responsible for repairing or replacing damaged underground exterior piping and wiring located on their property. This is an expensive process and is not covered by most homeowner insurance policies. 

You may want optional coverage to help you pay to repair vandalism damage. If your property is vandalized, that type of damage typically isn't covered by a traditional landlord policy unless you purchase vandalism coverage.

A sudden mechanical breakdown can cost thousands of dollars, but adding Equipment and Appliance Breakdown coverage to your homeowner policy helps you have the coverage you need when the unexpected happens. 

Water backup coverage is an optional endorsement that must be added onto a standard homeowners, condo or renters insurance policy.

Sometimes known as business interruption insurance, this coverage helps cover lost income when your business must shut down due to a covered loss.