Does anyone have homeowners insurance with Safeco?

[Suich]

I just got a bill and am paying $298.00 for "Escape of Water from Sump (Building/Contents).

I don't have a sump pump and my sewer line runs downhill about 10' from my basement to the street. I can't imagine any kind of a backup happening. A camera has been run down it twice and the pipe looks clean...there are no roots at all.

Here's a link to what Google said: http://www.commonsensemarkets.com/company_newsletters/Safeco_Homeowners_Tips_Water_backup_endorsement.pdf

What do you think of this charge?

TIA!

[elleng]

1. Do you have a contract which provides this coverage?

If so, sounds like you might delete it. (I'm NOT in Washington state, and have no such experience; just using logic.)

If you DON"T have such coverage in a contract, I would NOT pay it, and contact them to tell them so.

[Philly Cowboy]

2. I would also install a backflow device

that would prevent any crap from coming back up from an overflowing sewer. In the long run, it would be a lot cheaper than the $298/per that Safeco wants.

[pscot]

3. That's an option that Safeco "offers"

If your sewer line drains downhill away from the house, you probably don't need it. Call your agent and have it taken off your policy.

[Suich]

4. That was my thought, too.

Thanks!