Do you have enough coverage for water, sewer backup and sump pump malfunction?

What would be an amount that one would be comfortable with.  We insure an expert in the water restoration business and he flat out told me BOLDY!  Don’t sell a policy without $25,000 of water sewer backup and sump pump malfunction coverage.  Now this comes from an expert who cleans up these mess as his job!   You might think he does know what he is talking about!