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Extended Water Coverage

If it can rain or snow, it can flood and water damage can cause a myriad of problems for homeowners. That's why Erie Insurance introduced their Extended Water coverage. 

What is Extended Water Coverage?

Extended Water is the protection you need from the backup of sewers, drains or floods, which also include inland flooding, tidal water, storm surge or mudflow and mudslide.

With Extended Water coverage, you get the peace of mind offered by Sewer or Drain Backup and Flood coverage. With this added protection from ERIE, you’ll have coverage for direct physical loss to your home, garage or other structures, and personal property that’s been damaged as the result of an extended water event. That also includes personal property in your basement.

Why Get Extended Water Coverage?

As a homeowner, you expect your house and everything in it - from the foundation to the roof – to be covered by your homeowners policy.

But did you know that flooding, which is the most expensive and common natural disaster in the United States, isn’t covered by most insurance policies? And while flood coverage can be required if you live in a high-risk zone, according to FEMA 25% of flood claims come from individuals living outside high-risk zones1.

That’s where the Extended Water endorsement2 from Erie Insurance comes in. By adding this coverage to your ErieSecure® Home policy or adding it as part of an ErieSecure® Home Plus or Select bundle, you could have coverage for:

  • Basements and other rooms that flood during a storm or various flooding events3
  • Water that backs up from sewers or drains
  • Repair or replacement costs for both your home and personal property3
  • Additional living costs associated with temporarily relocating while your home is being restored4
  • Flood avoidance reimbursement (up to $10,000) to help proactively protect your home before flooding occurs5
 

How ERIE's Extended Water Coverage Can Help

Did you know a standard homeowners policy doesn't cover flooding. Now, ERIE's Extended Water coverage can help. Learn more by watching the video.

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  • 1

    FEMA Fact Sheet, June 2019. https://www.fema.gov/press-release/20210318/fact-sheet-myths-and-facts-about-flood-insurance.

  • 2

    Extended Water coverage endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program. Not available in all states. 

  • 3

    Extended Water coverage is not intended to provide coverage for damage caused by leaking or wet foundations or basements, water damage caused by normal wear and tear or other maintenance related damage. Insurance products are subject to terms, conditions, exclusions, limits, sub-limits not described here. 

  • 4

    Additional living expense is subject to terms, conditions, sub-limits and are limited in duration. The cause of the flood, as determined by ERIE, may impact the duration for which living expenses are paid after covered event. 

  • 5

    Reimbursement for flood avoidance is subject to certain conditions and limitations not mentioned in this insert. Please talk to your ERIE Agent. ERIE® insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). Not all companies are licensed or operate in all states. Not all products or services are offered in all states. ERIE® life and annuity products are not available in New York. Go to erieinsurance.com for company licensure and territory information.

The policy contains the specific details of the coverages, terms, conditions, exclusions, limits, and sub-limits. Please talk to your ERIE Agent. ERIE® insurance services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). Not all companies are licensed or operate in all states. Not all products or services are offered in all states. ERIE® life and annuity products are not available in New York. Go to erieinsurance.com for company licensure and territory information.