Renters insurance does not cover sewage backup on its own. There is an endorsement available to add this coverage, usually for just a few dollars per month.
It's worth remembering that endorsements must be made before a loss occurs. You can not call your insurance agent and add the water and sewage backup endorsement after you discover the problem, there will be no coverage because the endorsement was not applied at the time the loss occurred.
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It's worth remembering that endorsements must be made before a loss occurs. You can not call your insurance agent and add the water and sewage backup endorsement after you discover the problem, there will be no coverage because the endorsement was not applied at the time the loss occurred.