It’s something we all hope never happens to us: a sewer backup or sump pump failure, but a flooded home caused by this event can happen to anyone at any time. In fact, any home with a toilet and a sink is susceptible.

It’s important to note that damage caused by a sewer backup or sump pump failure is not covered under your standard homeowner’s insurance policy. When you purchase your policy or call in for a policy review you will need to add-on Sump Pump/Water Backup Coverage. Without this endorsement, you’ll be paying for the damage yourself.

Here are five reasons to have water backup/sump pump overflow coverage:

  1. It can happen to any system
  2. Just a couple inches of water backup can cause thousands of dollars in damage – ruining carpets, destroying appliances, and crumbling drywall
  3. It helps speed up the necessary clean-up, preventing mold and further damage
  4. It’s not covered under flood insurance
  5. It’s relatively inexpensive!

If you live in an older home, one that has a basement and/or a sump pump, and there have been problems with backed-up sewers in your neighborhood, you should definitely consider adding water backup and sump discharge or overflow coverage to your homeowner’s insurance policy.

With a California Casualty water backup endorsement, you’ll have as much as $10,000 to clean up and repair damage (amount varies by state). Review your policy and if you don’t have a water backup endorsement, or don’t know if you do, contact a California Casualty advisor today at 1.800.800.9410 option 3, or email



This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or

California Casualty

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