![]() Insurance policies for homeowners typically cover unexpected plumbing damage, such as a burst pipe, leaking pipe, or broken faucet. The coverage does not often extend to the sewer system. Sewer coverage is usually an add-on, endorsement, or rider to your policy. Standard home insurance policies do not cover sewer backup coverage. Although some insurance companies offer sewer backup coverage as an endorsement, or rider to their policies, the coverage limits may not be sufficient to cover an expensive loss. Although sewer backup may be offered by some insurance companies as a separate policy they only cover the lines and do not provide financial protection to your home in case of a backup. Your insurance provider might refuse to cover sewer backups that are caused by a problem with a city line or due to lack of maintenance. Is homeowners insurance included in sewer backup coverage? ![]() Sewer backup insurance protects you from damages caused by standing sewage in your bathroom, toilet, basement, or other areas of your home. Sewer backup coverage covers the costs of fixing your sewer line, up to the city sewer line, and cleaning your house of sewage. This coverage is also known as water backup insurance, drain line backup coverage and sewer backup insurance. ![]() There are few things that can be more frightening than finding standing sewage in your basement due to a burst pipe, blocked sewer, or damage to walls and carpets. The cost of cleaning up and fixing the damage can add up quickly, so make sure you have insurance. Sewer backup coverage can be a highly beneficial financial protection for a homeowner because it adds compensation for sewer backup damage, which is not typically included in a standard homeowners insurance policy. ![]()
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