Why You Should Add Water Backup Coverage to Your Homeowners Insurance Policy



What is Water Backup Insurance?

Also known as sewer backup insurance, water backup insurance must be purchased as an extension of your standard homeowners insurance policy. Water backup insurance offers coverage for any damage done by raw sewage backing up into your home. 


Sewer backup insurance also offers coverage if your sump pump were to overflow and cause damage to your home as well. Did you know that scenario is also typically excluded in a standard homeowner’s insurance policy? 


Water backup coverage also offers loss of use coverage, which provides you with clean accommodations while repairs are being made for your home to be safe to occupy again.

Do I Need Water Backup Coverage?

The average cost of water backup coverage ranges from $50 to $250 annually, depending on your risk exposure and the limits you select.

However, when compared to how much a sewer backup incident would cost you, the coverage seems priceless. According to sewage industry experts, the average cleanup cost is approximately $7.00 per square foot of the affected area.This means that your 1,000 square foot basement would cost you around $7,000 to clean and repair.


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