might want to add rider on insurance for sewage backup. doesn't happen often but I got 25k coverage for 10 bucks a year. Google has been installing cable here and hit sewer lines couple times causing it to backup into houses, yuck. One couple has been out of their house for a year trying to get compensation while contractors play blame game. damage was over 10 k as an inch and a half of raw sewage backed up into the house.
It's not normal coverage on homeowner policy so might want to spend few bucks just in case.