Comp and Collision are physical damage insurance coverages on a personal or business auto insurance policy.  Collision coverage provides reimbursement for damage to your vehicle after you've been in a car accident in which there is no fault, or you are at-fault.  Comp provides reimbursement for a set of named perils the include, fire, hit an animal, falling object, or your car gets struck by lightning and more.

Your homeowner’s insurance does not cover the loss of your car, even though it was, ":in your house."  You typically must have a form of comprehensive physical damage coverage on your automobile insurance policy for it to be covered.

small business, such as a business operated by one or two people out of a home, may not need workers compensation insurance, but it often needs more property and liability insurance than is provided in a typical homeowner’s policy.

General Liability, Property, Commercial Auto, Workers Compensation, Business Umbrella, and Cargo.

Water back up and sump pump failure coverage is an endorsement to the homeowner insurance policy that provides coverage to property damaged by water that backs up into the home through pipes, drains, sewer, water-service, sump pump and any other type of fluid transfer system from the house.  

It is important to understand the water back up and sump pump failure coverage is an endorsement to the homeowner’s policy.  This coverage DOES NOT come standard.  You have to add the coverage and, in most cases, pay an additional premium otherwise you do not have coverage for this type of loss.