It's a Stinky Business - Sewer Backup
Water damage is one of those areas of home insurance where there are plenty of exclusions and grey areas, and homeowners can often be unclear on what is covered and what is not. Some types of water damage are covered under a standard homeowner’s insurance policy, while others require that you add an optional coverage in order to receive benefits. Sewer back-up falls into the latter category. You can receive coverage for sewer back-up in your home but you may have to add an endorsement to your policy and pay an extra premium for the coverage.