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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.

The best basement waterproofing method depends on the specific issue causing the water intrusion. For minor problems, simple solutions like installing a properly functioning gutter system to direct runoff away and grading the soil to slope away from your foundation can be effective.

If you have more significant water problems, the solution will need to be more robust:

• For standing water on the basement floor, a floor drain or a sump pump system may be the best solution.

• For water pooling around the foundation, installing an exterior French drain can intercept water before it reaches the basement walls.

Other effective waterproofing methods, which can be used depending on your home's specific needs, climate, and soil type, include sealing the interior walls, landscape alteration, installing interior drainage systems, and using a dehumidification system to control moisture levels.

A small sump pump running infrequently uses an average of 10 kilowatt-hours (kWh) of electricity per month. The average cost for electricity is $0.171 per kWh. The size and use frequency affect how much electricity it uses. Sump pumps average one-third to one horsepower (hp) motors. One hp is equal to 745.7 watts. Watts multiplied by the time your pump is running divided by 1,000 equals your average kWh. Multiply kWh by your average cost of electricity. In areas with high rain or a marsh basin, the average cost can be as high as $15-$25 a month.

Gravity can make it difficult to make plumbing work in a garage if your plumbing is lower than your drainage point. Fortunately, there are ways to create drainage when adding a bathroom to a sunken garage. Plumbers will recommend using an upflush system that discharges into a pump from the back of the toilet.