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Flood Insurance - A separate policy typically purchased through the National Flood Insurance Program (NFIP). This covers losses from rising waters, or surface water, that enters through the natural openings in a home...doorways, windows, etc.
Homeowners Insurance & Water Backup Coverage - Backup coverage is usually offered as an endorsement to most Homeowners Insurance policies. It covers losses caused by water backing up through sewer or drain, broken sump pumps, etc., basically damage from water moving from the ground up into a basement or lower level.
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