Backup of Sewers and Drain coverage is an optional endorsement which provides protection for your dwelling and personal property losses caused by water that backs up through a sewer or drain pipe. Coverage also applies from water that has entered into the area from a sump pump that has overflowed. For example, the sewer backs up through your drain pipe, releasing water into the basement and ruining furniture, clothing and children’s toys. The damage is covered, less your deductible. There is a limitation in coverage, equal to the limit listed on your homeowner declaration page (ie $10,000). McMichael Insurance recommends you carry Back-up of Sewers or Drains when your lowest level is finished, which includes slab homes and finished basements.