An odoriferous gap in homeowners coverage

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Heavy flooding in my town recently caused a backup of sewage into a neighbor's house. Does homeowners insurance cover that sort of damage?

Heavy flooding in my town recently caused a backup of sewage into a neighbor's house. Does homeowners insurance cover that sort of damage?

Usually not. But your insurer may offer an optional rider to cover it. This would add $40 or $50 a year to your homeowners premium for each $5,000 of coverage.

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