Renters insurance does cover water originating from inside the building. If your toilet overflows, your policy may cover the damage. Your policy will have a separate limit for any damage caused by water back-up through sewers or drains.

What is the difference between water backup and water damage?

If water gets blocked from below the toilet bowl flange, backs up, and fills your bathroom floor, this is water backup. A home insurance policy includes water overflow under the water damage clause but does not cover water backup.

Does renters insurance cover accidental damage to property?

Personal property is the most common type of property damage in a renters insurance policy. Renters insurance also covers personal liability arising from the accidental damage of someone else’s property.

Can a renters insurance policy cover sewage backup?

It is an endorsement on your renters insurance policy, and in some cases, coverage may even be free. When you are dealing with something as potentially hazardous and devastating as a sewage backup, you need immediate solutions. Even if you are legally entitled to compensation, you need to act quickly to remedy the situation.

Can a burst water pipe be covered by renters insurance?

Burst pipes can happen for several reasons, but the damage to your possessions from a burst water pipe is usually covered by renters insurance. Depending on why the pipe burst, these situations can also fall under ‘frozen water’ coverage. Leaks within the roof are less likely to be covered than storm damage.

Can a home be damaged by a sewer backup?

In other words, even if you have good homeowner’s or commercial property insurance, it is likely that damages occurring as the result of a sewer backup are not covered. If you do not want to get stuck holding the bill, you need to know your legal rights. Questions about water backup coverage?

Who are the insurance companies for sewage back ups?

We have dealt with five popular insurance companies for sewage back ups: State Farm Insurance, Farmers Insurance, Mercury Insurance, USAA Insurance and Liberty Mutual. Most of these insurance companies will cover sewage backups causing damage to your home if it’s a soft stoppage.