Water backup coverage: What it is and why you need it

Water damage is one of the most common and costly types of insurance claims. While standard homeowners insurance policies typically cover water damage caused by external sources, such as heavy rain or a burst pipe, they do not cover damage caused by water backing up through sewers or drains. That’s where water backup coverage comes in.

What is water backup coverage?

Water backup coverage is a type of insurance that protects you against damage caused by water that backs up through sewers, drains, or sump pumps. It covers the cost to repair or replace damaged property and belongings, as well as any cleanup costs.

Why do you need it?

While it may seem like a rare occurrence, water backup incidents are actually quite common. They can be caused by a variety of factors, such as blockages in the sewer system, heavy rainfall, or even a clogged drain in your home.

If water backs up into your home and causes damage, the costs to repair the damage and replace any ruined possessions can add up quickly. Without water backup coverage, you’ll have to pay these costs out of pocket.

What does water backup coverage typically cover?

Water backup coverage typically covers the following:

  • Damage to your home and its contents caused by water backing up through sewers or drains
  • Cleanup costs
  • Loss of use coverage, which covers additional living expenses if you need to temporarily relocate while your home is being repaired

It’s important to note that water backup coverage typically has limits on the amount it will pay for damages and cleanup. Be sure to review your policy carefully to understand what is and is not covered.

How much does water backup coverage cost?

The cost of water backup coverage varies depending on a variety of factors, such as the size of your home, your location, and your insurance company. On average, you can expect to pay around $40-150 per year for this type of coverage, depending on the level of protection you want (from $5,000 in coverage on up).


Water backup coverage is a valuable addition to your homeowners insurance policy. It can protect you against the costly damages and cleanup expenses caused by water backing up through sewers, drains, or sump pumps. While it may seem like an unnecessary expense, the peace of mind and financial protection it provides is worth the cost.

If you have any questions just give us a call (803) 848-0089 or send me an email at josh@griffinins.net.