Do I need Sewer Backup and Drain Coverage?

All, Home & Renters, Living Adventures, Personal, Preferred Movement     by Kelly Heitkamp

Backup of Sewer and Drain Coverage | Ohio Insurance

Picture this. You open the door to your basement and see your kids’ toys floating across the floor and everything else under six inches of water or sewage. There is never a “good time” for these instances to happen. Some of your first questions may be:  How did it get in?  How am I going to get it out?  And, do I have coverage for this?


Backup of Sewer and Drain Coverage is coverage for back up through sewers or drains or overflow or discharge of a sump pump or related equipment, even if the equipment suffers a mechanical breakdown.  This coverage is not automatically included on a homeowner’s policy, but can be endorsed for a small premium.  The premium for this varies on how much coverage you want.  Coverage generally runs in increments of $5,000 and can range from $5,000 to $50,000, or more, depending on the company.  Backed up sewers and drains can do major damage to your home, causing thousands of dollars to your floors, walls, furniture, etc…  If your basement is finished or you store items in your basement you may want to consider this coverage.

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A few tips for protecting you and your belongings are:

  • Store valuables in waterproof bins.

  • Make sure your sump pump is reliable and in good working order.

  • Raise appliances up off the floor.

  • Invest in a generator to keep your sump pump operating through power outages.

  • Call Preferred Insurance Center to purchase water backup coverage.

If you want a quote or have any other additional questions on this coverage let us know.  We are always here to help.


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