Learn — Home & property
Sewer backup coverage
What a sewer backup endorsement on a homeowners policy covers, why sewer and drain backup damage is excluded by default, and typical coverage limits available.
Standard homeowners policies often exclude sewer backup and drain overflow. A separate endorsement (often $50–150/year) covers it.
Highly recommended in older Midwest homes with clay tile sewer lines. Ask whether your policy includes water backup or requires an endorsement.