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Does homeowners insurance cover water backing up into the basement?
Backup through a drain or sewer is usually handled by an endorsement with its own limit, not by the main water clauses.
What filed forms generally say
Most filed forms exclude water that backs up through sewers or drains, or that overflows from a sump or sump pump.
Coverage is then commonly added back by a water-backup endorsement carrying its own modest limit and sometimes its own deductible.
Water that rose from the ground outside is a third situation again, and is generally excluded as surface water or flood.
Why your policy can still say something else
Whether the endorsement is on your policy at all, and the limit it carries, are specific to your declarations page.
Clauses to look for in your own document
- Exclusions — Water Damage
- Water Back-Up and Sump Discharge endorsement
- Definitions — Flood / Surface Water
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.