Carrying homeowners insurance helps to protect you financially when your home experiences a major disaster that requires extensive repairs. However, you may be surprised that not everything is covered in a typical homeowners insurance policy. One area of coverage that's absent in most policies is sewer backup coverage. Burst pipes that cause water damage are covered by most policies, and above-ground flooding is covered by flood insurance, but you'll most often need to purchase a special rider for your homeowners to pay for repairs resulting from a backed-up sewer line.
