What is Water Backup Coverage?

Water Backup is an optional endorsement that can be selected on the Coverage tab in the Portal.


This endorsement covers damage caused by water entering the home through a sewer or drain inside the premises or damage resulting from a backed-up drain or sump pump within the building.

Claims for water backup are subject to the standard perils deductible. The chosen dollar limit acts as the sub-limit, which is the maximum amount Openly will pay for water backup damage.

The available coverage limits are:

  • $5,000
  • $10,000
  • $25,000
  • $100,000
  • Full Coverage (Guaranteed Replacement Cost up to $5M)

Contact us via our webform or Live Chat if you need further assistance.

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