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No, homeowners insurance policies do not typically cover sump pump installation. However, some companies may offer incentives in the form of discounts or reduced premiums if homeowners install sump pumps. Insurance companies do this because sump pumps can reduce water damage claims. You may also be able to obtain enhanced water-backup coverage after installing a sump pump.

Not all window wells have a formal drain, but they all require a method for water to flow away from the window. Some wells are connected to an interior or exterior drain tile, which is the most effective solution. Others rely on a deep layer of gravel or crushed stone that allows water to filter down into the soil.

However, if a window well lacks a proper drainage system, it can lead to basement seepage, costly water damage, mold growth, and potential foundation damage. This is especially true in areas with heavy rainfall or expansive soil.

If your window well doesn't have a drain or is not draining quickly enough, you have a few options. For gravel-based systems, the stone may have compacted and needs to be improved. For a more robust solution, you can hire a plumber or window installer to connect the well to a drainage system. This can also be a DIY project using a shovel or auger.

The cost of basement waterproofing is $4,950 for the average homeowner. However, you could end up paying between $600 and $14,000, depending on factors like basement size, waterproofing method, and the region you live in. 

If you live in an area with heavy rainfall, you might be paying more for waterproofing than if you lived somewhere drier since waterproofing contractors would be in high demand. Likewise, a 500-foot basement costs between $2,500 and $5,000 to waterproof, but that price rises significantly for a larger basement.

Some sump pumps are powered by water rather than electricity. Water-powered sump pumps generally use one gallon of city water to pump out two gallons of water from its basin. Therefore, if you're looking at a potential 10,000-gallon flood, your sump pump will need to use 5,000 gallons of city water to prevent it.