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What’s covered, what's not?

Homeowners policy provides coverage for water that backs up through sewers or drains as long as it originates on premises. As the bullet points below show, the optional endorsement expands the coverage to provide better protection. Please talk to us to make sure you are properly protected.  Each of our companies have a slightly different view in wording.  Make sure you understand this information.

Some Homeowners Policies Cover: Toilet and shower drain geting clogged and overflows causing damage.

Typically Not Covered By Homeowner's Policy:

  • Sewer line in the street backs up and causes the overflow
  • Water that escapes, overflows or discharges from a sump pump, sump well or any other system designed to remove water which is drained from the foundation area


Items Can Be Covered By Endorsement: 
Coverage is expanded to include backup or overflow from causes originating off premises as long as the backup or overflow itself occurs on the premises.  Coverage is provided when water escapes, overflows or discharges from a sump pump or other similar system.

What’s never covered?

  • Flooding is the most common excluded coverage. Whether the result of a river overflowing its banks or a dam breaking, water damage caused by surface water entering the house is not covered.

  • Overflow originating off-premises is not covered. This would include a sewer line breaking in the street and causing water to flow over the surface in to the house.

  • Sub-surface water is excluded. For example, if a swimming pool or sprinkler system leaks underground and causes water to seep through the foundation, there is no coverage under either the base policy or the optional endorsement.

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