When sewer lines are also storm drains the back up may be due to problems and overload in the city conduits. Install a backflow stop valve and seal the system to pass city health code.
Fixing a leaky sewer pipe is not covered by your policy as that is considered a normal and expected part of a homeowners maintenance responsibilities.
If your policy has coverage for accidental discharge, the resulting water damage that occurred to your property would be covered, but only after you repair the sewer line that is causing the constant damage.
There would be no point in the insurer repairing the resulting damage, if you choose not to fix the broken pipes. They will likely require you send them a plumbers receipt or certification that all repairs have been made before they will address the ensuing water damage.
Auto insurance is a kind of insurance that helps you cover the costs resulting from a car accident or auto problem. Every state in the U.S. requires drivers to carry at least some auto insurance, although the exact amount varies by state. There are two basic kinds of auto insurance: insurance that covers first party damage (which is damage to your car or injuries to people in your car) and insurance that covers third party damage (i.e., damage or injuries to another driver's car or passengers, or any property you damage in an accident which doesn't belong to you.) Most insurance policies contain both of these types of coverage.
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