An odoriferous gap in homeowners coverage

January 18, 2008

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.