Sewer Backup Insurance in North Carolina

Why Sewer Backup Insurance Matters

A sewer or drain backup can cause thousands of dollars in damage—ruining floors, walls, furniture, and personal belongings. Unfortunately, most standard homeowners policies do not cover damage caused by water backing up through sewers, drains, or sump pumps.

In North Carolina, heavy rain, hurricanes, and aging infrastructure can increase the risk of sewer backups. Without the right coverage, you could be left paying for cleanup, repairs, and even temporary housing costs out of pocket.
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What Does Sewer Backup Insurance Cover?

Sewer backup coverage is typically added as an endorsement to your homeowners, renters, or condo policy. It can help pay for:

• Cleanup Costs – Removing water, waste, and debris from your home.
• Repairing Damaged Property – Floors, drywall, cabinets, and electrical systems.
• Replacing Personal Belongings – Furniture, clothing, electronics, and more.
• Temporary Living Expenses – If your home is uninhabitable during repairs.
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What’s Not Covered

While this coverage is broad, it generally won’t pay for:

• Damage from flooding (requires separate flood insurance)
• Preventable backups due to poor maintenance
• Upgrades to your plumbing or sewer system after a loss
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How Much Does It Cost?

Adding sewer backup coverage to your policy is usually affordable—often less than $100 per year depending on your coverage limit and location.

Who Needs Sewer Backup Coverage in North Carolina?

This coverage is important if:

• You live in an older home with aging plumbing
• Your home has a basement or is below street level
• You live in an area with heavy rainfall or near a body of water
• Your municipality’s sewer system is prone to overflow during storms

How Sizemore Insurance Helps

At Sizemore Insurance, we:

• Review your current homeowners policy to check for gaps
• Recommend sewer backup coverage limits that match your risk
• Compare rates from top North Carolina carriers
• Make sure your home, condo, or rental property is protected from costly backups

Get a Quote for Sewer Backup Insurance in North Carolina

Don’t wait until you’re knee-deep in damage—add sewer backup coverage today. Start your quote online or call (910) 791-1011 to speak with a Sizemore Insurance advisor.

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