Thanks for the ideas. My insurance guy states that the maximum coverage for all things related to water seepage, etc. is $10,000, this includes repairs and personal property. My basement is only about 3 1/2 feet deep, the rest is above ground so risk is a bit less. I will have a sump backup installed as well as sewer deverter and will look for other coverage and be sure to read all of the fine print.
Music Room and Floods
I am in the process of buying a new house that will have a dedicated music room in a look out basement. This house is 14 years old and the basement is finished. the music room is 21x16. This is not in a flood area and has never had any water seepage or other issues. It has a sump pump if needed. I was surprised to find out that in the case of a flooded basement there is not much coverage for my audio system. Anyone have this issue, any ideas. I will get the sump pump checked, have a battery backup installed but would appreciate anyone elses thoughts or experience.