Water back up and sewer coverage is an endorsement to the homeowner insurance policy that provides coverage to property damaged by water that backs up into the home through pipes, drains, sewer, water-service, sump pump and any other type of fluid transfer system from the house.

It is important to understand the water back up and sump pump failure coverage is an endorsement to the homeowner’s insurance policy. This coverage does not come standard. You have to add the coverage and in most cases, pay an additional premium otherwise you do not have coverage for this type of loss.