Usually not on a standard HO policy
Water backup (sewer / drain / sump)
What it is: An endorsement that can help when water backs up through drains, sewers, or a sump pump into the home — the classic finished-basement flood after a heavy rain or clogged main line.
How it works: Standard homeowners often excludes sewer/drain backup. Adding water-backup coverage (limits vary) is a separate conversation with your agent. Ask about limit options that match a finished basement or lower level.
KY / IN / OH note: Finished basements are common across Northern Kentucky and the tri-state — this is one of the first endorsements we discuss with homeowners.
Shaking typically excluded
Earthquake
What it is: Coverage for damage from earthquake shaking. Standard homeowners typically excludes earth movement; protection usually means a separate endorsement or policy, depending on the carrier.
How it works: Even if your ZIP “feels” low risk, western and central Kentucky sit near the New Madrid seismic zone — and nearby Indiana and Ohio communities discuss the same question. A short conversation with an agent is smarter than assuming you are fine.
Ask us: Whether your carrier offers an earthquake endorsement or a standalone option, and what deductible would apply.
Not part of standard homeowners
Flood
What it is: Coverage for rising or overflowing water from outside the home — rivers, flash flooding, storm surge–style inland flooding. Homeowners policies almost never include this.
How it works: Flood is usually a separate policy through the National Flood Insurance Program (NFIP) or a private flood market. It should be coordinated with your homeowners policy so you understand what each pays for.
Why it matters here: The Ohio River corridor, Northern Kentucky, and any mapped flood zone (including areas that “never flooded” until they did) deserve a flood check — not just homes with a mandatory lender requirement.
Flood insurance page → · Ask about flood → · Back to all coverage · Storm & hail claims guide
