Is Sewer Water Backup Included in Home Insurance Policies?

Home insurance policies cover a wide range of incidents that can cause damage to your home and belongings, so it may surprise many homeowners that incidents of your sewer backing up aren’t automatically covered by your home insurance. Adding water or sewer backup coverage may be worth considering; damage from such incidents could cost thousands of dollars in repairing flooring, walls, furniture and other aspects of your home.

What Causes a Sewer Backup?

Sewer and water backups can be caused by the following:

• Heavy rainfall that overwhelms local infrastructure

• Blockages in a home’s sewer line

• Aging homes and infrastructure

• Plant roots and vegetation affecting old pipes

Why Should You Consider Sewer Backup Coverage?

It’s advisable to add sewer or water backup to your existing home insurance, especially in the following situations:

• Your home has a basement

• Your home is older and has older plumbing

• Your home is located in a flood-prone area.

• Your home is located in an area with aging public sewer systems.

• Your area is experiencing significant population growth.

Contact Us

No homeowner wants to experience a backup of sewer or water in their home. Such incidents can cost thousands of dollars to recover from and aren’t typically included in standard homeowners insurance policies. Adding coverage for sewer backup can help with repair costs so you can get back to normal faster.

Pronto Insurance can help you explore adding this coverage to your existing policy. Contact us today for personalized quotes or more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.