North Carolina Home Owner’s Insurance – Is Water & Sewer Backup Covered?
![ALLCHOICE Insurance Blog | Homeowners Insurance | North Carolina Home Owner's Insurance - Is Water & Sewer Backup Covered?](https://allchoiceinsurance.com/wp-content/uploads/2010/01/ALLCHOICE-Insurance-Blog-Homeowners-Insurance-North-Carolina-Home-Owners-Insurance-I-1024x536.jpg)
The majority of North Carolina Homeowner’s Insurance Policies are “Special Form” policies. That means that all perils are included unless they are specifically excluded. The back-up of water or sewer is excluded on NC Home Insurance policies, but can be endorsed back to your policy.