Is sewer backup included in a standard homeowners insurance policy?

Sewer backup is typically excluded from a standard homeowners insurance policy. Most standard policies focus on covering risks such as fire, theft, and certain types of water damage, but sewer backups specifically fall under a different category of risk. Homeowners may face significant damage due to a sewer backup, but insurance providers typically do not cover this event unless the homeowner has taken additional steps.

Because sewer backups are considered a separate risk, homeowners interested in this coverage often need to purchase a specific rider or endorsement to add it to their policy. This means that understanding the nuances of policy exclusions is crucial for homeowners to ensure they are adequately protected against potential damages.

In summary, while some might think sewer backup is part of standard coverage or can be included under certain conditions, it is generally excluded unless additional coverage is acquired.