Sewer backup insurance is an endorsement (coverage add-on) that insures you in the event that sewage water re-enters your home. This can happen due to a blockage in your sewage pipe or if there is heavy water accumulation in your municipality’s sewage system. Without this endorsement, any water damage caused by a sewage backup is not covered on your standard home insurance policy. At KBD, we suggest having a back-water valve installed to block sewage water from re-entering the property.