Your Home
Water & Excluded Perils Explainer
The water damage standard home policies typically exclude — and which endorsements exist for it.
Calibrate
Drag to set each value — estimates are fine.
FEMA maps zones at msc.fema.gov — most people have never looked theirs up.
A common add-on — it is NOT part of the standard policy.
Sump-pump overflow/failure is typically handled by the same backup endorsement.
Finished basements raise the cost of any water event.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Your flood-zone risk (your best guess)
- Do you carry a sewer/water-backup endorsement?
- Do you have a sump pump?
- Do you have a finished basement?
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.