Does Home Insurance Cover A Leaky Basement? 
If you are talking about water seeping in through the foundation ; it is not typically covered under your homeowners policy . Flood insurance is available to cover for damage due to flooding and is required most financial institutions if you property is in a flood plain . Flood insurance handled through the Federal government and sold through individual insurance companies . Most homeowners policies due offer a special endorsement for Sump pump failure and/or sewer backup . Every policy is different . Please read your policy entirely to determine your policies coverage and exclusions or contact your local agent to have them explain the coverages contained in your policy . 