What Is Sewer Backup Coverage On Homeowners Insurance? 
Sewer Backup Coverage is an essential coverage on Homeowners Insurance policies . On standard Homeowners Insurance policies , the coverage usually can be purchased as an optional endorsement ; in many cases , the carriers will offer $ 5,000 or $ 10,000 per incident for a premium of $ 20 - $ 75 per year . On High Value Homeowners policies , the coverage may be included in the policy form and in some cases offer coverage at the same limit as other perils covered under Coverage A - Dwelling . Sewer/Drain backup coverage will provide coverage should your drains become blocked and the water backs up causing water damage to your home . It is always important for a homeowner to check the drains annually and make sure that the water runs quickly through the drainage system without any obstacles ; there are liquids available for purchase at hardware stores that advertisethe clearing of drains but it may be more prudent to contact a plumbing professional for the best advice ! You may contact your insurance carrier to add this valuable coverage to your current policy or you may obtain a quote with the coverage included . For quotes in Arizona , California & Nevada , you may follow the link : WEBSITELINK 