Will your condo insurance policy cover sewer back up?

Answer 1

No. Sewer back-up coverage is usually available as an endorsement that can be added to a homeowners policy. A condo should be insured on a for HO-6 homeowners policy. You should really look closely at the endorsements available and see what you need and what you don't need. Also be familiar with your condo agreement so you will understand what your responsibilities are for insurance on the common areas and common properties as well.