Coverage Types

Water Backup Coverage

Coverage for damage caused by water or sewage backing up through drains, sewers, or sump pump failures.

Water backup coverage protects against damage when water backs up through drains, toilets, or sump pumps. This is typically excluded from standard homeowners policies but can be added as an endorsement. It's especially important in areas prone to heavy rainfall or homes with finished basements.

Related Terms

Dwelling Coverage

Insurance coverage that protects the physical structure of your home, including attached structures.

Additional Living Expenses

Coverage for extra costs of living elsewhere while your home is being repaired or rebuilt after a covered loss.

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