Should I switch home insurance carriers to get more sewer backup coverage?

"I signed up for home insurance with a small regional carrier in New Hampshire. They can only offer $5,000 in sewer backup coverage. Larger carriers can offer more coverage, but my premium will also be higher if I switch over to them. Is it worthwhile to make the switch and get more sewer backup coverage?

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Answer provided by
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Alexah Grinnell
Answered on Apr 08, 2021
“If having more coverage for water/sewer backup on your policy is important enough to you to make up the difference in cost that the other companies would be charging you, it may be a good idea to go with a company that offers a higher coverage amount. If, for example, your neighbors report a history of water/sewer backups in the community because of aging plumbing systems or blockages in city sewers, then seeking additional coverage would make sense.
However, you may find that the premiums the other companies want to charge you are too high and the extra coverage isn’t worth it. You need to weigh your budget and your desire for peace of mind when getting quotes! “
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