In terms of homeowners coverage, what does "sewer backup" coverage protect against?

Sewer backup coverage is designed to protect homeowners from damage resulting from sewage backing up into their homes. This type of coverage specifically addresses the risks associated with sewer systems becoming overwhelmed, which can lead to raw sewage spilling into a household space. Such incidents can cause extensive damage to property, including contamination and the need for costly cleanup and restoration efforts.

The other options do not fall under sewer backup coverage. Flooding from heavy rain is typically covered under a separate flood policy, and damage from frozen pipes may be covered under homeowners insurance, but it would be addressed as water damage rather than sewer backup. Lastly, damage from leaks in the roof would also generally be covered under standard homeowners insurance policies but is not related to sewer systems. Thus, the focus of sewer backup coverage is specifically on the dangers posed by the backup of sewage into living areas.