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If your renters policy covers Sewer Backup then it will cover damage to personal property.

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Q: Will renters insurance cover sewage pipe backup damage to personal property?
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Will renters insurance cover sewage pipe backup damage?

Sewage back up is a rider that you must purchase. But if you are a tenant, it would be your landlord's responsibility to purchase the coverage. Check with him.


Does renters insurance cover septic tank backup?

No, Normal and expected maintenance issues are not covered by your renters nor property owners insurance. Maintenance issues are generally handled by the property owner, not the tenant, unless otherwise agreed to in your lease contract. It's just like an oil change on your car. You wouldn't contact your auto insurance company about an oil change. It's just a normal part of vehicle maintenance. If you rent property that utilizes a septic tank, It's normal and expected that you have it emptied from time to time so that it does not overflow or backup. Now if you have coverage for accidental water discharge damage on your policy. Although it will not pay to drain the septic tank, Once you have done that, your coverage will invoke if some of your covered property or belongings was accidentally damaged as result of this unintended water discharge. But first you have to fix the instigator, you have to have the septic tank drain and serviced back into working order.


Does commercial insurance with sewer backup insurance cover the business properties?

If your policy contains sewer back up coverage and business owned property coverage. The policy should according to its terms and coverages cover your claim. http://calcocommercialinsurance.com


Does homeowners insurance cover sewer backup?

Yes, if you bought that as a rider. No if you did not.


Foremost insurance cover inside the home damage caused by sewer backup?

No


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Does homeowners insurance cover a sewer backup?

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