Coverage
What Is Sewer Backup?
Sewer backup coverage pays for damage when water or sewage backs up into your home through drains, sewers, or a failed sump pump. It is an optional endorsement on most Ontario home policies and is separate from overland water coverage.
Backups often happen during heavy rain or rapid snowmelt and can cause expensive basement damage. Many insurers require or discount for a working backwater valve and sump pump. Ask your broker to confirm your limit and any conditions.
Questions about Sewer Backup?
Our Ontario brokers can explain how it applies to your policy.
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Reviewed by Roughley Insurance Brokers Ltd. — licensed Ontario insurance brokers since 1945. Last updated May 29, 2026. ← Back to the glossary