Do most policies cover flood, sewer backup or earthquake?
Most standard homeowners policies don’t cover flood, sewer backup, and earthquake. In most cases you must add these coverages to your policy. Flood losses are damaged caused by surface water. This coverage is only available through the Federal flood program and is usually very expensive. Backup of Sewers and Drains (water backing up the drainage system into a basement) can usually be added to your homeowner policy. If you have a finished basement be sure you have this coverage. Earthquake is usually very inexpensive and can be added to any homeowner policy.
