What is Water Backup Insurance? Explore the Costs, Coverage, Limits and Applications

Water backup insurance is a specialized type of coverage designed to protect against water backing up into your home due to potential drain blockages or sewer malfunctions.

An image illustration of What is Water Backup Insurance?
Water Backup Insurance covers any water damages in your homestead

Experiencing water damage in your home can be inconvenient. Unfortunately, your current homeowners insurance may not cover the specific type of water damage you’re facing, necessitating personal payment for repairs.

Instead of shouldering potentially substantial repair costs, it is advisable to consider the option of water backup insurance as an additional safeguard for your home.

Since standard insurance policies typically do not include coverage for water backup, obtaining an additional policy, known as water backup insurance, may be necessary to ensure comprehensive protection.

Water Backup Insurance Coverage

Water backup insurance is an additional policy appended to your homeowners insurance, safeguarding against water backup into your home from events like sewer or drain backups.

Because traditional homeowners insurance typically excludes water backup damage, opting for this supplementary coverage is advisable. Water backup insurance generally includes protection for:

1. Damage resulting from sewer and drain backups.
2. Water damage caused by dishwashers, washing machines, and water heaters.
3. Failures or breakdowns of sump pumps and similar devices designed to remove excess water from your home.

However, it’s important to note that water backup insurance does not cover flood damage, damage caused by pools or other bodies of water, and burst pipes inside your home.

What Water Backup Insurance Does not Cover

While homeowners insurance typically includes coverage for water damage caused by burst pipes, rainfall, and snow, water backup insurance is a distinct form of coverage.

Flood damage and water backup are separate coverages, often referred to as “escape of water” or “sewer and sump pump overflow.”

This additional policy extends coverage to water damage resulting from plumbing appliances such as dishwashers and washing machines.

Cost of Water Backup Coverage

The expense of water backup coverage varies based on your policy and insurance provider.

For a $5,000 policy, annual costs typically range from $50 to $250. If you require coverage beyond $5,000, the cost may increase.

Given the unique characteristics of each home and situation, it is advisable to consult with your agent or insurance company to determine the appropriate level of water backup insurance coverage for your specific needs.

Water Damage Repair Costs
Water damage repairs can vary in cost, ranging from $1,240 to $5,342, depending on the severity of the issue and the extent of damage incurred.

When to Obtain a Water Backup Coverage

Consider obtaining water backup coverage if:

1. Your home is older, as older homes are more susceptible to water backup damage.
2. Your home has a basement, as homes with basements are more prone to water backup damage.
3. You live near older sewers, as the age of the sewers in your community can increase the risk of water backup.

Water backup insurance is a popular add-on to existing policies.

Contact your current insurance provider to explore available options.

If your current insurer doesn’t offer this coverage or you wish to compare rates, consider obtaining quotes from other insurance companies in your area.


What is water backup insurance coverage?

Water backup insurance is included as an endorsement to your homeowners or renters insurance.

It offers additional protection against expensive water damage caused by backed-up drains or failed sump pumps.

What does water backup insurance cover?
Water backup insurance covers property damage resulting from a clogged sewer line, failed sump pump, backed-up drains, and mold damage caused by water or sewer backup.

What causes water backup?
Water backup damage commonly occurs when drains, sewers, or gutters back up, or a pump fails, forcing water into your home. Causes include heavy rain, debris clogs, or root invasion from your yard.

Does homeowners insurance cover water backup?
No, homeowners insurance typically doesn’t cover water backup damage. Water backup and sump pump overflow coverage is an optional add-on to homeowners policies.

How much does water backup coverage cost
Water backup coverage costs on average $50 to $250 per year. Coverage limits range from $5,000 to the full replacement cost of your home. Discuss with your independent insurance agent to determine the suitable coverage level for you.

Do I need water backup coverage
Yes, water damage is a common and costly homeowners insurance claim. Since typical home policies often exclude water damage incidents, obtaining a water backup endorsement is crucial. Consult your independent insurance agent to assess the appropriate coverage limits for your needs.