Does standard renters insurance cover a backed-up sewer drain?

"Sewer backup spilled into the basement of the home I'm renting. Many of my belongings are now damaged. Will my renters insurance (standard policy) cover this damage?

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Answer provided by
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Jackie Whalen
Answered on Apr 13, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.
“No, unfortunately your standard renters insurance will not cover sewer backup. Sewer backup coverage is typically an add-on coverage to your policy, which you pay an extra cost for. Check with your insurance agent or company to add this coverage so you are protected for future incidents. “
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