A claim can be considered a “Sewer Backup” if it is determined that water has entered the home through a plumbing fixture. As a tenant, your landlord would be responsible only for the repair to the building itself – your personal belongings would not be covered.
It is a good idea to have this coverage included in your Tenants package since if a Sewer Backup happened in your unit, some of your belongings could be damaged and without this endorsement, you would have to cover the costs out of your own pocket. Sewer Backups can happen for a variety of reasons – even caused by circumstances outside of your building!