"Is sewer back-up insurance necessary when living in an apartment building?"

Sewer back-up insurance is not necessary when living in an apartment (or a home). It is an option that you may add on if you like. Depending on what floor you are on, it may not make sense for you to purchase this coverage. For example, if you are on the first floor or in a basement apartment, you may want to consider sewer back-up, but if you are on higher level floors, it doesn’t make sense to have sewer back-up as you are not on the sewer levels. The only necessary coverage you will need when obtaining tenant insurance is liabilty and content insurance.

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