As mentioned in my blog post about Flood Insurance Coverage, flood is excluded from coverage in your homeowners insurance policy, so there is no insurance for your home and contents if they are damaged by flood waters. Many people do not live in a flood plain, and have very little risk of flood, so they decide they do not need flood insurance.

However, ALL homeowners are at risk of the backup of sewers and drains, and given the large amount of rain we get in certain areas of the US, like the Pacific Northwest, homeowners should be VERY concerned with this possibility, even if you think you have no risk of flood damage.

Do you have water back up coverage of sewers & drains? Do you have enough coverage, or the right type of coverage? Shop with all the leading insurance companies to find the best price & coverage for you.

I remember there was a year in the mid-1990s, where Portland, Oregon, the city in which I live, received so much rain, areas flooded, which did not usually flood, and many of the customers for the insurance company where I worked at the time, had water back-up claims, although they had no flooding of their property. These customers were happy they had Water & Sewer Back-up coverage.

But even without heavy rains, sewer back-up can occur for any homeowner, and one of the main causes of sewer back-up is obstruction of the system, such as the growth of a tree root.

Water damage & cleanup from the back-up of sewers and drains, or the failure of a sump-pump, is not covered under the basic homeowners insurance.

Do you need Water Back Up insurance coverage?

If you have an unfinished basement, with no property of value in it, and you don’t have a sump-pump, you may not need the coverage.

However, if the sewer backs up into your unfinished basement, you might be able to pay for a damaged washer and dryer, or even a new furnace without insurance, but even if nothing is damaged, do you want to pay for the cost of clean-up, or clean up sewage yourself?

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Buy the amount of coverage you would need to refinish your basement — drywall, floors, carpeting, wall studs — because sewage tends to destroy everything it touches — and replace all the personal property important to you.

If you have a sump-pump, buy Water & Sewer Back-up coverage, but make sure it covers sump-pump failures, too, because not all insurance companies include coverage for sump-pumps in their Water & Sewer Back-up coverage.

Those homeowners insurance companies covering sump-pumps, may cover them under more restrictive conditions than other insurance companies, such as if the sump-pump failure was caused by you, or a power outage. As I’m sure you know, power outages are common with big storms, so if you have a sump-pump, install a battery back-up for the pump, in case you lose power.

Avoid this mistake: A lot of people think they do not need Water & Sewer Back-up coverage because they do not have a basement. Without a basement, your first floor is STILL at risk for sewer back up from your toilets, tubs, and sinks. If back-up occurs, it will do more damage to your main floor and personal property, than it would to an unfinished basement. If you do not have a basement, buy Water & Sewer Back Up in an amount that covers the cost of what you have to lose.

Some homeowners insurance companies automatically include limited Water & Sewer Back-up coverage, such as $5,000, on their deluxe policies, but most homeowners insurance companies allow you to add Water & Sewer Back-up coverage for an additional premium.

Warning: Water & Sewer Back-up coverage can be very different among companies regarding what conditions, and what property is covered, so be sure to read the policy language and ask questions of the agent, before choosing an insurance company. Know what property is covered, under what circumstances, and buy the broadest insurance coverage best fitting your situation.

Do you have questions or opinions about water back up of sewers & drains insurance coverage? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.