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Sewer backup insurance

If you’ve ever experienced a sewer backup in your home, you know what a mess it can create. Sewer backups can occur when a drainage system simply can’t handle unexpected volumes of water from a major rainstorm or a sudden snow melt. The waste water flows back, through the pipes, into your home. Sewage coming into your home can cause extensive damage, not to mention serious health risks. Immediate cleanup is required, and can be very expensive.

While there are some steps you can take to prevent sewer backup damage, such as installing a sewer backwater valve, the only way to financially protect your family and home against sewer backup damage is to buy insurance. In Canada, most home insurance providers let you add sewer backup coverage to their policies. At Square One, we automatically include sewer backup insurance in all our policies. No paying extra. To learn more about sewer backup insurance, review the information provided below.

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Does home insurance cover sewer backup damage?

If you’re insured with a traditional home insurance provider, you may discover that sewer backup is excluded from the base policy. Often it’s available as a rider at an additional cost. In some areas, the risk of flooding causing sewer backup is so high, that insurers will only add sewer backup coverage in small increments, up to a specified limit. This limit may or may not be sufficient to cover the cleanup, let alone the replacement of damaged goods. Often drywall and carpets will need to be torn out, and replaced. And think about the cost to replace all of the belongings kept in your basement.

At Square One, our home insurance policies automatically cover loss or damage caused by sewer backup. No paying extra. In fact, you get one of Canada’s most comprehensive policies with us.

What does sewer backup insurance cover?

If a sewer backs up, causing freshwater or wastewater to enter your home, sewer backup insurance is designed to cover the cleanup. If your home insurance policy settles losses on a replacement cost basis, your policy will also pay to replace your damaged property. Other policies provide coverage on an actual cash value basis. If that’s the case, your policy will pay only the depreciated value of any damaged items.

How much does sewer backup insurance cost?

The cost to add sewer backup could range from $10 to $250 per year with traditional home insurance policies.

Not all insurance policies (or homes) are created equal. Some companies allow you to add sewer backup to your policy, but will limit the amount of coverage to $5,000. Others will cover you right up to the policy limit. If you have an empty basement, you’ll need less coverage than someone with a developed basement, full of furniture.

The price you pay for sewer backup insurance will depend on:

  • The area in which you live;
  • The amount of coverage you require;
  • The type of home you live in;
  • Whether your home has a basement; and,
  • Whether your basement is finished.

Sewer backup insurance is included in all home insurance policies offered by Square One. No paying extra.

What is the deductible for sewer backup damage?

Depending on the home insurance provider you deal with, the standard policy deductible or a separate sewer backup deductible may apply. If you live in an area where sewer backup has been a problem, or if you’ve had a previous loss, your deductible will likely be higher.

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