💧 Sewer or Drain Backup
What It Does:
This coverage helps pay for damage caused by water or sewage backing up into your home through drains, toilets, or sump pumps — a common and costly problem not covered under standard homeowners insurance.
✅ What’s Covered
- Water or sewage backup due to:
- Blocked or overloaded sewer systems
- Failed sump pumps
- Clogged or broken drains
- Repairs to:
- Floors, walls, and personal property
- Cleanup and sanitization
- Replacement of damaged items like carpeting or furniture
🚫 What’s Not Covered
- Flooding from outside your home (that requires flood insurance)
- Backups caused by lack of maintenance
- Damage to municipal systems outside your property
💡 Real-Life Example
Heavy rain overwhelms the city’s sewer system, causing sewage to back up into your basement through a floor drain. This coverage helps pay for cleaning, repairing damage, and replacing ruined items.