Water Backup Coverage
Insurance Glossary
An endorsement covering damage when water or sewage backs up through drains or sewers, or when a sump pump fails, which standard policies exclude. It is separate from flood insurance and from the sudden pipe bursts a policy already covers, and it is normally sold with its own limit well below the dwelling limit. Limits, deductibles, and whether resulting mold is included vary by insurer and by state.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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