Why Sewer & Drain Backup Coverage Deserves a Spot in Your Homeowners Policy

Let’s face it — sewer and drain backup coverage isn’t exactly a thrilling topic. But if you’re a homeowner, it’s one of the most important things you should know about.

So, what exactly is it?

Sewer and drain (also known as water backup) coverage is an optional endorsement you can add to your homeowners insurance policy. It protects you from damage caused by water that backs up through a sewer or drain, or overflows from a sump pump or similar system. Here’s the kicker: this type of water damage isn’t covered by a standard homeowners policy. That means if you don’t add this coverage, you could be left footing the bill.

And water damage? It’s very common — and expensive. A backup can damage flooring, walls, furniture, and even the structural integrity of your home. Not to mention the mold and mildew that can follow. Without this endorsement, cleanup and repairs could cost thousands out of pocket.

That’s where water backup coverage comes in — providing peace of mind and financial protection when the unexpected happens. For just a few extra dollars a month, you could avoid a very costly mess.

At Briteline Insurance, we work with over 20 A-rated carriers — many of which offer this important coverage as an option on your homeowners policy. As an independent agency, our job is to make sure you understand your options and get the right protection for your home, your risk level, and your budget.

Bottom line?
Don’t overlook sewer and drain backup coverage. It’s not flashy, but it is smart. Because water damage doesn’t ask if you’re ready — it just shows up.

Need a policy review or want to make sure you have this endorsement in place? Reach out to our team today. We're here to help you stay covered, stay informed, and stay ahead.