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.
davt
Post removed 
Post removed 
My sump pump failed during a period of heavy rain and I got just enough water in mine to ruin the carpet etc. Luckily my insurance covered it as it was due to the pump failure and not flooding per se. I had a back up sump pump installed which works off the water pressure in my city water pipes. You might check this out, my plumber thought it was better than battery systems. I also got some vinyl flooring that can be easily taken up and relaid; looks very good.
Coverage from an Umbrella policy does not extend to underlying personal property coverage.

Choose your insurer wisely because the personal property coverage provided by Company A will oftentimes respond differently than the personal property coverage provided by Company B. Make certain that your insurance agent understands what your expectations are in the event of a lightning strike, a fire, flood, sewer backup, or theft. If you get evasive answers, ask the agent to point to the words in the Inclusions and Exclusions sections of the coverage agreement.
Post removed