- Homeowners Insurance
- Homeowners Insurance Coverages
- Water Backup Coverage
Water Backup Coverage
Water Backup covers your home and belongings if water damage occurs from a sewer backup from a municipal system and sump pump failure.1
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What is Water Backup coverage?
Water Backup, also referred to as “sewer and sump pump overflow,” or “escape of water” coverage, is an optional coverage homeowners can add to their policies to help cover the cost of water damage caused by sewer backups, or sump pump failures.1,2
What does Water Backup cover?
Water Backup may help cover water damage caused by:
- Sewer backups
- Sump pumps and other systems designed to remove water from the foundation of your home — even if the damage is due to a mechanical breakdown
To give an example, let's say the sump pump in your basement malfunctions and causes damage to the carpet. Water Backup will help cover the cost of replacing the carpet but not the sump pump or other equipment that contributed to the damage.
Insurance coverages for your home
Pays the actual cash value of covered personal property that needs to be replaced due to a covered loss.
Covers any necessary increase in living expenses incurred by you and your house so that you can maintain their normal standard of living.3
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More about home insurance
This is for general informational purposes only and no commitment of coverage can be made until a claim is filed and a thorough investigation is completed by the claims department. In addition, all claims are evaluated on their own merits based on the specific facts, circumstances, and applicable policy language in conjunction with appropriate state laws and regulations.
1Optional coverage. Not available in all states, and may vary by state.
2Coverage does not apply if the incident is due to negligence or failure to properly maintain systems and equipment.
3Stated policy limits apply; not available in all states.