Definition
Water backup coverage addresses damage from sewer backups and ground water seepage. Standard policies exclude these water damage types.
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Water backup coverage addresses damage from sewer backups, sump pump failures, and ground water seepage. Standard homeowners policies typically exclude these water damage types. Backup coverage requires separate endorsement and additional premium. Especially valuable in flood-prone areas and for properties with basements.
Pro Tip
Water backup coverage is essential for basements. Standard policies exclude backup damage.
Example
Water backup coverage of $10,000 pays for repairs when sewer backup damages basement furnishings.