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PROS & CONS <br />No-Fault Insurance Policy <br />Pro Con <br />*Includes replacement of <br />damaged property *Homeowners policy used first <br />*Includes coverage for water main <br />breaks <br />*Does not include FEMA <br />weather events <br />*Includes coverage for commercial <br />properties <br />Sewer Back-Up Policy <br /> Pro Con <br />*Benefits all residents <br />*Does not replace damaged <br />property <br />*Homeowner policy only used to <br />replace damaged goods <br />*Currently does not include <br />commercial property <br />* Over time it is less costly <br />*Currently does not include <br />water main breaks. <br />*Reduces stress on residents <br />*Includes reimbursement for <br />FEMA/heavy rainfall events. <br />* Reimbursement for a back-flow <br />device