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A Guide to Water Backup Insurance

Water Backup is an often over looked coverage.  The coverage shields against the financial devastation caused by water backing up from sewers, drains, or sump pump failures.

Why You Need It:

Standard homeowners insurance typically excludes water backup damage. So, if disaster strikes, you'll be left footing the bill for repairs, cleaning, and replacing damaged possessions. Water backup insurance fills this gap, providing much-needed peace of mind.


Here's what it Typically covers:

Repairs: The insurance reimburses the cost of repairing damaged walls, floors, plumbing, and electrical systems.

Cleaning and Sanitation: Professional cleaning and sanitation services to remove sewage and prevent health hazards are covered.

Replacing Belongings: Damaged furniture, appliances, and personal belongings are replaced up to the policy limit.

Alternative Living Expenses: If your home becomes uninhabitable due to the backup, the insurance may cover temporary housing and additional living expenses.


Is it right for you?

Anyone can benefit from water backup insurance, but some factors increase your risk:

Older homes: Plumbing systems deteriorate over time, increasing the risk of backups.

History of backups: If you've experienced past incidents, getting coverage is a wise move.

Basement presence: Basements are particularly vulnerable to backups and typically store valuable belongings.

Sewer line issues: Knowing your sewer line's condition and potential trouble spots can inform your decision.

Cost and Coverage:

Water backup insurance is usually offered as an add-on to your homeowners policy. Premiums are relatively affordable, often ranging from $50 to $200 per year, depending on your coverage amount and risk factors. Carefully review different policy options and limits to find the right fit for your needs.



Preventative maintenance: Regularly maintaining your plumbing and sump pump is crucial, and some insurers might require it for coverage.  There are also water detectors available.

Read the fine print: Understand exclusions and limitations in your policy to avoid surprises later.

Don't wait for a disaster to strike. Take control and protect your home and belongings with water backup insurance. It's a small investment that can save you from a big financial headache down the line.