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Submersible and pedestal sump pumps are two popular types of sump pumps. Submersible models are covered by water in a sump pit, which helps keep the motor cooler and quieter. Pedestal sump pumps stick out of the sump pit, so the motor stays dry and is easier to access. Submersible sump pumps are the pricier option, but they also have longer life spans.

In most cases, standard homeowners insurance policies do not cover damage from a sump pump failure or overflow. Coverage for water damage is often limited to sudden, unexpected events like a burst pipe that was not caused by negligence. To be covered for sump pump issues, you will likely need to purchase a specific rider, endorsement, or additional water backup insurance. If your insurer offers this type of coverage, they may require proof that your sump pump is regularly maintained.

A sewage ejector pump is necessary if you have any plumbing fixtures, such as a bathroom, laundry room, or sink, located below the level of your home's main sewer line. Standard plumbing relies on gravity to drain wastewater and solid waste into the municipal sewer system or a septic tank. For fixtures below this level, like those in a basement, gravity cannot move the waste upward. The ejector pump provides the force needed to pump the sewage up to the main line. Without one, wastewater from below-ground fixtures would back up, potentially causing a sewage overflow and flooding. If all of your plumbing is on the main floor or higher, gravity is sufficient and an ejector pump is not needed.

A sewage ejector pump is necessary if you have any plumbing fixtures, such as a bathroom, laundry room, or sink, located below the level of your home's main sewer line. Standard plumbing relies on gravity to move wastewater and solid waste to the municipal sewer or septic tank. However, for fixtures located below grade (e.g., in a basement), gravity is not sufficient.

The purpose of a sewage ejector pump is to actively pump this wastewater and solid waste upward into the main sewer line. Without an ejector pump in this situation, wastewater would have no way to exit and would eventually back up, causing a sewage overflow or flooding in your basement. If all of your home's plumbing is on the main floor or higher, gravity can handle the drainage, and an ejector pump is not needed.