Water Backup

Covers damage when a sewer or drain backs up or a sump pump fails — normally excluded, so add it if you have a basement.

Water backup coverage pays for damage when a sewer or drain backs up, or a sump pump fails, and water comes up into your home from below.

This is normally excluded from standard home policies, and it’s a different peril from both a burst pipe (usually covered) and a flood (never covered without a flood policy). If you have a basement, a finished lower level, or valuable systems downstairs, the exposure is very real.

It’s an inexpensive endorsement, and choosing an adequate limit matters — cleanup and replacing damaged flooring, drywall, and belongings adds up quickly.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.