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What Does Water Backup Insurance Cover?

Water claims make up 31% of homeowners' claims in the U.S.

Now. Imagine waking up in the middle of the night to hear water in your basement. You go downstairs to find a mess, your sump pump has failed and water is flooding into your basement. Immediately, you call your insurance agent to find out the next steps, as you want to begin the water removal process to get your home back to the way it was. Your agent proceeds to tell you, “ You don’t have water backup coverage on your policy, we never added that coverage.”

Not something any homeowner wants to hear when they are in need, but sewer and water backup is not covered under a basic homeowner’s policy.

What is water backup coverage?

Sewer and water backup coverage on a homeowner's insurance policy is a type of coverage that helps to protect you in the event that your home experiences damage or loss due to water or sewage backing up into your home. This coverage is typically an add-on or endorsement to a standard homeowner's insurance policy, and it may not be automatically included.

What does water backup insurance cover?

Sewer and water backup coverage can help cover the costs associated with cleaning up and repairing damage to your home and personal belongings caused by water or sewage backup. This type of coverage may include things like damage to floors, walls, and ceilings, as well as damage to appliances and personal property.

It is important to note that sewer and water backup coverage usually has limits and exclusions, so it is important to read your policy carefully to understand exactly what is covered and what is not. Additionally, you may want to consider purchasing additional coverage if you live in an area with a higher risk of sewer or water backups, such as in a flood-prone area or an area with an older sewer system.

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Is Water Backup Coverage Worth it?

This insurance could save you thousands of dollars in the event of a costly emergency. This prevention strategy has minimal annual expense compared to the potentially huge repair and replacement bills one might face if there were a water backup incident. Water backup damage is typically not covered under a standard homeowner's policy, making it important to consider adding this coverage, especially if you live in an area that is at a higher risk for this type of damage.

How much water backup coverage do I need?

The amount of coverage you need will depend on several factors, including the value of your home, the cost of repairs or replacement in the event of a backup, and the risk of this type of damage occurring in your area. Give our home & auto insurance experts a call. They’ll help you determine the appropriate amount of coverage for your needs.

How much water coverage insurance can I buy?

Sewer and Water Backup coverage is an endorsement on homeowners' policies. It usually comes in different coverage increments:

  • $5,000
  • $10,000
  • $20,000
  • $25,000
  • $50,000
  • $100,000

Depending on your policy, there may be a different deductible from your standard homeowner deductible.

We are here to help! Our home and auto insurance team is available to answer your questions. They'd also be happy to provide you with a free policy review to ensure your family is well protected with the proper limits. Additionally, should you like to price compare our insurance experts will do the shopping for you with highly-rated carriers to find you the best auto and home insurance bundle quotes.


This blog is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice.

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