A sewer backup can do a real number on your home and cause thousands of dollars of damage. It can ruin furniture , flooring, walls and electrical systems, as well as pose a major health hazard. Think your home owners insurance will cover the cost?? According to the Insurance Information Institute, most sewer system backups are not covered under a typical homeowners insurance policy. Coverage for sewer-related problems must be purchased separately or as an addition to your policy. Call your insurance agent today. Better to be safe than sorry.