Homeowners insurance protects a home from accidental and sudden losses. However, not all losses are covered.
Breakdowns in the home.
Most homeowners insurance does not cover basic maintenance repairs. For example, if your water heater cracks, your coverage most likely will not help to replace the water heater. (But it might help pay for the damage to your floors.)
Floods, earthquakes and water backup.
A. If you have chosen to add Water Backup Coverage to your policy, it could help pay for damage from backed up drains or sump pumps.
Typically, floods, earthquakes and water (sewer) backups are excluded from most homeowners insurance. If you want to purchase additional insurance to cover these events, talk to your Allstate Agent or call 1-800-ALLSTATE.