Does Homeowners Insurance Cover Sump Pumps?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    Not unless they are damaged by a covered peril.  At that point they would be consider part of your personal property.  Sump pumps breaking down due to age or wear and tear would not be covered   Homeowners is not designed as a maintenance policy.  Covered perils would be things like fire, theft, collapse and other similar occurrences.
    Answered on May 23, 2013
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