Does Home Insurance Cover Sump Pumps? | Openly

Your sump pump might not be the flashiest appliance in your home, but its role in keeping your basement dry and safe from flooding is undeniable. A well-maintained sump pump can be the difference between a minor inconvenience and a major disaster.

But do you know how they work, when they need maintenance, and how they impact your homeowners insurance? This article will guide you through the essential steps of sump pump maintenance, ensuring your home's guardian is always prepared when the rains come.

At a glance:

• Homeowners insurance may cover water damage from sump pump failure if caused by a covered peril, but typically doesn't cover maintenance or gradual seepage.
  

• Regular sump pump maintenance, including testing, cleaning, and inspection, is essential for optimal performance and longevity.
  

• Investing in a battery backup, maintaining records, and reviewing your insurance policy may ensure you have the right amount of sump pump coverage to protect your home.

What is a sump pump?

Let’s start at the beginning by answering “What is a sump pump?”

A sump pump is a device designed to remove water that has accumulated in a designated area called a sump pit.¹ This pit is typically located in the lowest point of a basement or crawlspace. When water levels in the pit rise, the sump pump activates, pumping the water away from the foundation.

How does a sump pump work?

Sump pumps have a fairly simple operational process:²

1. As water seeps into the basement or crawlspace, it collects in the sump pit.
   
   
2. A float switch is attached to the pump. When the water level rises and touches the float, it triggers the pump to turn on.
   
   
3. The pump then forcefully expels the water through a discharge line, usually leading to a storm drain or an area a safe distance away from the foundation.
   
   
4. Once the water level in the pit falls below a certain point, the float drops, and the pump automatically shuts off.
   

Types of sump pumps

Choosing the right sump pump is critical for protecting your home from water damage. Several types of sump pumps are available, each with its advantages and disadvantages:

• Submersible pumps—These pumps are completely submerged in the sump pit. They are known for their quiet operation and long lifespan.³
  
  
• Pedestal pumps—These pumps sit on top of the sump pit. They are generally less expensive than submersible pumps but can be noisier.⁴
  
  
• Battery Backup pumps—These pumps have a built-in battery or can be connected to a separate battery backup system. They provide crucial protection during power outages.⁵
  
  

Why maintaining your sump pump matters

A sump pump is your home's first line of defense against flooding, but it can only do its job if it's properly maintained. Let's explore why keeping your sump pump in top condition is so important.

• Peace of mind—Knowing your sump pump is in good working order provides peace of mind, especially during heavy rain or storms.
  
  
• Prevents costly damage—A malfunctioning sump pump can lead to basement flooding, which can cause significant damage to your foundation, belongings, and even create mold problems. Regular maintenance helps prevent this costly scenario.
  
  
• Protects your investment—A sump pump is an investment. Proper maintenance extends its lifespan, saving you money on premature replacements.
  
  

A Step-by-step guide to maintaining your sump pump 

Keeping your sump pump in good working order doesn't have to be a daunting task. While some tasks are best left to professionals, many basic maintenance procedures can be easily handled by homeowners. With a few simple steps, you can ensure it's ready to protect your home from flooding:⁶

• Regular inspections—Inspect the pump and surrounding area for signs of damage, leaks, or debris.
  
  
• Test the pump—Run the pump periodically to ensure it's working correctly. You can manually activate the float switch or use a bucket of water to simulate rising water levels.
  
  
• Check the discharge line—Make sure the discharge line is clear of obstructions and properly directed away from the foundation.
  
  
• Clean the pit—Remove any debris or sediment that may have accumulated in the sump pit.
  
  
• Check the battery backup (if applicable)—Test the battery regularly and replace it as needed.
  
  

Does home insurance cover sump pumps?

While homeowners insurance generally covers water damage from sudden and accidental events like burst pipes or storms, it may not cover damage caused by gradual seepage or groundwater. This is where sump pumps play a critical role.

It’s important to note that homeowners insurance typically does not cover the cost of regular sump pump maintenance or repairs. Fortunately, maintaining your sump pump properly may help prevent costly water damage.

Be sure to carefully review your homeowners insurance policy to understand your coverage for water damage and sump pump-related issues.

A small investment for big benefits

Sump pumps are vital components of any home prone to basement flooding. Understanding how sump pumps work, performing regular maintenance, and taking steps to improve coverage, can help you protect your home. 

Remember to review your homeowners insurance policy and discuss your specific concerns with your insurance agent. If you’re in the market for a new home insurance provider that provides sump pump coverage, look no further than Openly. Openly is a high-value home insurance provider that offers comprehensive, transparent, and tailored coverage in states across the country. Our partners, trusted independent insurance agents, can help you determine if you’re eligible, how to personalize an Openly policy, and ensure that you have peace of mind.

*We provide this information to help you understand insurance. Any coverage is subject to the terms of your policy. Please refer to your policy and declarations page for complete terms, conditions and coverage details.

¹ John Woodard. “What is a Sump Pump and How Does it Work?” Fresh Water Systems. Published 24 April 2024. Accessed 14 February 2025. https://www.freshwatersystems.com/blogs/blog/what-is-a-sump-pump-and-how-does-it-work?srsltid=AfmBOor0KN8FlvapdM40gqAgbIpHejLN5wvqXfhB1cTHjRZF8nbd76G9 

² Ibid. 

³ Paul Giglio. “Understanding the Different Types of Sump Pumps.” Pipe Works Services, Inc. Published 5 June 2024. Accessed 14 February 2025. https://www.pipeworksservices.com/understanding-the-different-types-of-sump-pumps/ 

⁴ Ibid.

⁵ SEC America Corp. “The Truth About Sump Pump Battery Backups.” SEC America Corp. Published 19 March 2024. Accessed 14 February 2025. https://www.secamerica.com/truth-about-sump-pump-battery-backups/?srsltid=AfmBOorVEQR2Dpqve691jwHT54XRqrrUuQu24JbGZHTTPoeuPBGKetZG

⁶ Plumb Wise. “Eight Essential Sump Pump Maintenance Tips.” Plumb Wize. Published 6 May 2024. Accessed 14 February 2025. https://www.plumbwize.ca/blog/sump-pump-maintenance/