Does Renters Insurance Cover Sewage Backup? 
Renters insurance does not cover sewage backup on its own . There is an endorsement available to add this coverage , usually for just a few dollars per month . It 's worth remembering that endorsements must be made before a loss occurs . You can not call your insurance agent and add the water and sewage backup endorsement after you discover the problem , there will be no coverage because the endorsement was not applied at the time the loss occurred . 