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False. Coverage isn’t automatic. Some insurers include coverage for sewer and drain backup as part of the standard homeowners policies. Others do not, but may sell the coverage as a separate endorsement. Ask your insurance agent or company whether you are covered. And, even if you are covered, take steps to protect against the mess caused by a backup:

Make sure gutter downspouts extend some distance from the house, to carry water away from basement walls

Grade your yard so that it slopes away from the house

Install a sump pump

If this is a persistent problem, install an anti-backflow device to prevent backup