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Sewer backups are not covered by a basic home insurance policy. A sewer backup can cause extensive water damage in your house. Your floors and walls may need to be replaced and there is a risk of further damage due to mold. Any personal property you store in your basement can also be destroyed by a sewer backup. Sewer backup coverage can be added to your home policy. It will help pay for repairing or replacing damaged parts of your home and personal property. The amount of coverage you need is determined by whether your basement is finished and whether you store valuable property there. It also covers additional living expenses, such as/ a hotel, if your home is uninhabitable during repairs after a sewer backup.

Sewer backup coverage generally isn’t expensive, but the cost of repairs due to a sewer backup can be thousands of dollars. You should consider sewer backup coverage if: · You live in a low-lying area like along a river or ravine. · Your area has combined sanitary and storm sewers. · Severe weather is frequent in your area. · Sewer backups are frequent in your area. · Your home’s elevation is low relative to sea level. · Your neighborhood’s density is large compared to the sewer line size.