It's not the Real Estate professionals place to advise clients as to what types of insurance they should purchase but if the subject should come up you may save your client(s) a lot of heart ache to let them know that when it comes to water damage more then one policy/rider may be a good idea.
Spring time is a good reminder that basements may get wet for one reason or another and often precious memories are stored in a box down in the basement.
Reading in the paper about the floods in Mississippi and the tornado in Tennessee made me think of the heartbreak I endured over loosing my families memories. I'm talking about my family from present and dating back even further then my own birth.
First time home owners often have no idea that a standard home owners insurance policy does not cover sump pump failure or a sewer back-up.
A Real Estate professional has enough to do in their own wheel-house without informing clients about tangents like insurance BUT if the subject comes up you may save them the heartache of lost treasures.