Is Toilet Overflow Covered By Homeowners Insurance? 
As my colleage mentions , damage as a result of water back up is usuallyy not covered , but more than likely is available as a purchased amendment . Again talk to your Insurance Professional about your policy . For those of us on a septic system , it is very important to regulary see to the care and maintenance of that system . If the water backs up because your system has been neglected then that is a maintenace issue and more than likely there would be no coverage under your policy terms and conditions . 