The recent heavy down pours in northern Minnesota have created havoc, it is a great time to take the opportunity to review your current homeowners insurance. In order to properly protect yourself and your family against flood damage, you need to buy coverage from the National Flood Insurance Program. Flood damage is not covered under a homeowner’s policy; you can elect the extra coverage of Sewer and Water Backup. Moving ground water that damages your home is excluded on a homeowner’s insurance policies. If you elect to carry Sewer and Water backup, it covers damage cause to your property by water backing up through your sewer system or damage caused by a sump pump failure. It is a relatively inexpensive coverage, and can help with the mess of water back up. Anyone can purchase Flood Insurance, if your community participates in the National Flood Insurance Program; call A.T.C. Agency at 1(800) 422-5352, for more information.