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Southern Colorado Insurance Center Blog

All You Ever Wanted to Know About Insurance

Water backup information from Safeco!

What’s covered, what's not?
Safeco's Homeowners policy provides coverage for water that backs up through sewers or drains as long as it originates on premises. As this chart shows, the optional endorsement expands the coverage to provide better protection. This optional endorsement is called Escape of Water from a Sump, Sump Pump or Drain on the Residence Premises.*

Covered by homeowners policy
Not covered by homeowners policy
Covered by the optional endorsement

Toilet or shower drain gets clogged and overflows causing damage
Sewer line in the street backs up and causes the overflow
Coverage is expanded to include backup or overflow from causes originating off premises as long as the backup or overflow itself occurs on the premises

Water that escapes, overflows or discharges from a sump pump, sump well or any other system designed to remove water which is drained from the foundation area

Coverage is provided when water escapes, overflows or discharges from a sump pump or other similar system

To provide additional flexibility, Safeco offers two variations of the optional endorsement. One provides coverage for damage to building and contents while the other covers damage to building and specified contents. With the latter endorsement, the specified items that are covered are washers and dryers, refrigeration units (not including contents), cooking ovens and ranges, dishwashers and built-ins such as furnace, carpet, air conditioners, etc. Limits up to $50,000 are available in most states.**


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