Sewer Backup Endorsement
A rider added to a standard HO policy that covers damage from sewer or drain backup — not covered by base policy.
Quick answer
Sewer Backup Endorsement: A rider added to a standard HO policy that covers damage from sewer or drain backup — not covered by base policy. Typical cost: $50–$200/year for $10,000–$25,000 of coverage..
Why it matters
A finished basement sewer backup can cost $25,000+; the endorsement is often $50–$150 a year.
Typical cost
$50–$200/year for $10,000–$25,000 of coverage.
Pros
- • Cheap coverage for a common, devastating loss
- • Often required on finished basements
Cons
- • Limits are usually capped low
- • Excludes municipal-cause events in some states
Common uses
- • Any home with a basement or below-grade plumbing
Alternatives
Standalone backup-sump policyHigher dwelling deductible
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Frequently asked questions
- Is sewer backup the same as flood?
- No — flood is overland water (NFIP); sewer backup is wastewater from your own line.
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