Water backup
An optional endorsement may cover certain damage when water backs up through a sewer, drain, or qualifying sump system.
Flood
Standard homeowners policies generally exclude rising surface water. Flood protection usually requires a separate policy.
Why the source matters
Where the water came from and how it entered the property can change which coverage applies.
What to review
Check the endorsement limit, deductible, exclusions, basement-property limitations, and whether flood insurance is appropriate for the location.