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Does flood insurance cover flooding due to sump pump failure?

In most cases
In some cases
Not sure
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Question: Does flood insurance cover flooding due to sump pump failure?
Top Answer (62% of 16 votes): No.

Answer: No
Explanation: A homeowner's policy can be endorsed for sewer and drain backup. That will cover damage due to the overflow of a sump pump.
Lockhart's Insurance Services
Answer: Not sure
Explanation: I do believe that would vary from policy to policy. If you have a sump pump serving your home I would get with my insurance agent to verify or add coverage.
SDL Plumbing Inc.
Answer: In some cases
Explanation: Sump Pump Coverage Sump pump failure coverage takes the form of a rider or endorsement attached to a standard homeowner’s insurance policy. Premiums are relatively cheap, and you can receive up to $10,000 to replace or repair anything resulting from a flood or backup and pump failure, including pipes, drains, sewer fittings and the aforementioned appliances. As long as fluid transfer threatens a property, the sump pump fails to respond and the area is breached, you can claim it and seek reimbursement.
Authorized Progressive Insurance Agent/Russell G. Lewis
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