Flood and Sewer backup insurance on rental dwelling

[Brandon Brown]

Are there any insurance companies that will provide flood and sewer backup insurance on a rental dwelling? When I was living in the building I was able to obtain flood and sewer backup coverage on my homeowners policy, however once I moved out and converted the insurance to rental dwelling as required by State Farm they said that flood and sewer backup insurance are not possible. For the first time in eight years we had a very minor sewer backup during heavy rain storms recently. It didn't damage any of our tenants belongings, however the washing machines, boilers, water heaters, etc. are in the unfinished basement and to not have any type of coverage for some type of more serious backup worries me. We got a quote for a flood control system for a little over $13k and a check valve is about $6k but then the downspout in the rear of the building has to be moved out of the catch basin.