water backup coverage for homeowners

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Whether you wake up to a small lake in your living room due to a sump pump break or you experience a drain backup that leaves your kitchen or bathroom a watery mess, it's good to know that your homeowners insurance policy from Esurance can come to the rescue with water backup coverage.

gain reliable protection against water backup with esurance home insurance

Believe it or not, water damage and freezing claims accounted for more than 25 percent of all homeowners property damage insurance claims from 2009 through 2013.

In the unfortunate event that a drain overflows and ruins your valuables or a broken sump pump causes major damage to your house, you don't want to be left footing the bill to repair your place and replace your belongings. That's where water backup coverage (also known as sewer backup coverage) can help.

With a standard homeowners insurance policy from Esurance, you get water backup coverage that can help you repair water damage from overflowing drains and sewers, broken sump pumps, and more — essentially, any damage that results from water moving from the ground up.

Say a portion of pipeline maintained by the city (but is connected to your home) experiences a backup that ultimately damages your place. Water backup coverage can even come to your aid with sump pump failures and water backups that occur off your property.

Coverage amounts and availability for water backup coverage vary by state and can range anywhere from $5,000 to $25,000, generally. When deciding how much coverage you want, consider factors like electronics, furniture, and flooring materials you may need repaired or replaced if your home is damaged by a water backup.

You can get a free quote for Esurance homeowners insurance (that includes water backup coverage and a whole lot more) in just a few minutes online.

What's not covered by water backup insurance?

Usually flooding isn't covered under your policy's water backup coverage; that's what flood insurance is for. Surface water entering your place — whether a nearby river overflows or a major dam breaks — is generally excluded from coverage under most homeowners insurance policies (even ones that include water backup coverage).

Subsurface water that causes damage to your home (like a leaking swimming pool or irrigation system) is also often excluded from coverage. Essentially, your individual claim and situation will drive the final coverage decision.

So if you already have an Esurance homeowners policy, feel free to give us a call at 1-800-ESURANCE (1-800-378-7262) if you have any questions about what you're covered (or not covered) for. Our licensed agents are available at these times.

a few ways you can avoid damage from water and sewer backup

Depending on the situation, some water damage may be unavoidable. Still, there are a few ways you can try to prevent water from destroying your hard-earned investments:

  • Make sure your landscaping (as well as the irrigation system that waters it) are positioned so that water flows away from the foundation of your home.
  • Ensure downspouts are extended at least 10 feet away from your place.
  • Always maintain your home's gutters and downspouts, clearing out leaves and debris as well as repairing segments that may be sagging.
  • Try to run your sump pump every few months. Cleaning it once a year before the rainy season (if you have one) is a good idea too.
  • As a preventative measure, if you have a basement, elevate valuables like washers, driers, water heaters, furnaces, furniture and other personal items, and all electrical wiring in order to prevent water damage.

Does homeowners insurance cover water and mold damage?
Read more about the difference between flood and water damage, plus find out how your homeowners policy could help with mold repairs.

Protecting your home from mold
Get expert info and tips on how to prevent mold from ravaging your home.

Get your free quote online

or call 1-866-439-5633