What is sewer backup coverage and do I need to buy it on my homeowners policy?

Sewer backup coverage is designed to protect your home from the cleanup and damage costs associated with a backup of the sewer system into your home.  If you are on a septic system which you own, then coverage is automatically included in your homeowners policy.  If you are on a city or county sewer system, then you must purchase sewer backup coverage at an extra charge in order to be protected.