We were not covered on our original policy - 1st year we bought house
AS it turns out there is a $25 a year rider for a sump pump
Of course the Insurance company never bothered to tell us & we didn't know to ask
Even tho we may never have a problem we keep that extra insurance
As I recall it only covers a certain amount...maybe up to $25k here ?
Depends upon your insurance.....so like Atlantic said - check & find out !!