What is Water Backup Coverage and Why is it Important?

Submitted by BlockInsurance on Mon, 07/13/2020 - 19:27

Water damage can be disastrous to your home - not only is it disgusting and potentially dangerous, but it can also be very expensive.

Water backup occurs when water or water-borne materials back up into your home. This can come through sewers, drains, sump pumps, or related equipment. 

Water backup coverage is an optional coverage that can be added to your existing homeowner’s policy. But since many homeowner’s policies either don’t cover water backups or only offer limited protection, it’s worth learning more about this valuable and affordable option. Because you don’t want to find out you’re underinsured after you experience a water backup issue.

FUN FACT: At Block, adding Water Backup Coverage is our standard. All of our home quotes have that already figured in for you. We want you to have all of the best coverage to keep and your family protected.


The amount of coverage you’ll need depends on several factors including:

  • Whether you have a finished or unfinished basement
  • The size of your basement
  • The type of flooring in your basement (carpet, vinyl, hardwood, etc)
  • The type of wall material in your basement (drywall, paneling, etc)
  • Whether your basement has a bathroom
  • Whether you have a washer, dryer, or heating and cooling system in your basement.

Wait- why would I need water backup of sewers and drains if I don't have a basement?  There are times when a sewer system has a clog and causes backups into the homes - so having the water backup coverage would provide you the coverage you need in this instance.  Or your septic system could clog up, causing a backup into the home, overflowing from the drains.  So, is there ever a time when you don't need this coverage?  Perhaps, but better safe than sorry!


What about flooding, does water backup cover for that?  No.  Flood damage is not covered under your homeowner’s policy regardless of the endorsements.  Flood insurance is a whole other topic that we'll save for the next time!

If you have any questions about your homeowner's policy, give us a call!

As always, the more you know about your coverage, the better off you are. 

How To Prevent Water Backup