Does Home Insurance Cover Sewer Lines?
September 7, 2022

Does Home Insurance Cover Sewer Lines?

Your home has a big impact on your personal and family finances, as well as the security and well-being of your family. Of all your possessions, your house is the one that needs insurance the most. Your home is often your major investment, so having appropriate insurance is essential.

Homeownership has numerous benefits, but just like anything else in life, it also has its share of difficulties and problems. Dealing with sewer or plumbing issues is one of the homeowner’s more difficult chores. After all, dealing with blocked pipes, backed-up lines, and obstacles is not particularly satisfying.

Although there are many concerns for homeowners to be aware of, sewer issues are commonly overlooked. While plumbing problems are often taken into account by homeowners, some people are unaware of their houses’ external sewage and water pipe responsibilities.

Broken sewage systems can result in significant losses that destroy walls, floors, furniture, and possessions. To make matters worse, sewage disasters frequently force homeowners to relocate their homes while also leaving them with costly expenses for sewage cleaning, structural repairs, and pipe replacement.

What You Need To Understand By Insuring Sewer Lines?


Depending on the attributed cause of damage, your homeowners’ insurance may or may not cover the sewage pipes under your property. Sewer line damage is typically not covered by homeowner insurance. However, under specific conditions, homeowners insurance can pay for sewage line damage under and within your house that’s brought on by a covered loss, such as an explosion or vandalism.

For coverage purposes, damaged pipes must be on your property; pipes that extend beyond your property line are the responsibility of the entity that owns that portion of the pipe.

It’s crucial to understand what is and isn’t covered by your homeowners’ insurance policy if you own a house since a sewer backup can seriously harm your property. Most sorts of sewage line damage aren’t covered by a typical house insurance policy, but you might be able to add extra protection to cover any underground utilities, including sewer lines, on your property.

Typically, the sewer or utility lines that run beneath your property and link your home to the outside world are not automatically covered by standard homeowners insurance. To protect your sewer lines and other utility lines from different sorts of damage, such as rust or wear and tear, you may need to add service line coverage to your policy.

How Does Homeowner Insurance Cover Your Sewer Lines?


You will have access to a skilled specialist to visit your home on a regular basis to fix your sewer lines for a fixed monthly cost. This might involve a backup of sewer or water, a malfunctioning sump pump, clogged sewer pipes, burst water lines, and much more. Before you approve an insurance policy, make sure you read it carefully because not all plans are created equal. As your system ages, think about the issues you’ve already experienced and the kind of coverage you could want in the future.

A licensed technician will fix or replace the sewer line parts that malfunctioned once you submit a claim. You might need to sign a paper when they’re finished stating that you accept the repairs. Some insurance providers may only cover repairs up to a particular amount of money. You could have to pay the remaining balance out of pocket if your repairs cost more than that. If not, your insurance could pay for all of your repairs.

Benefits of Adding Sewer Line To Your Homeowner Insurance


Even though you might not think you’ll need it right away, sewer line coverage can be one of the most crucial purchases you ever make for your house. A few advantages of adding sewer insurance coverage to your homeowner insurance include the following:

·       If a pipe breaks or collapses unexpectedly, you might get it fixed as soon as possible, even if you don’t have much to pay for it upfront.

·       If your water lines and pipes are old and causing problems in your house, you might be able to update your them.

·       You might get rid of issues that have been bothering you for months, such as blocked toilets or sewer backing up into your basement.

·       Even if your plan does not cover everything, it may still save you a lot of money on service line repair.

·       You can have a better quality of life and live in a clean and sanitary environment.

How Much Does Sewer Line Coverage Cost?


Your location and the level of sewer system coverage you choose will impact the cost of your insurance. The majority of insurance providers provide a starting price and go from there. Typically, starting monthly costs range from $7 to $8. Combining sewer line coverage with additional insurance policies may result in a price reduction.

Tips to Take Care of Your Sewer Line


Sewer line backups are often caused by one of two factors: either too much water is running through the system relative to its capacity, or there are obstructions in the pipes. It is typical for debris to block drain lines at home. However, the main cause may be tree roots outside the home.

Sewer line backup, in contrast to a typical drain blockage, contains a ton of hazardous germs that can result in a range of ailments and should be avoided at all costs. To handle sewer line backups, it is advised to seek the assistance of qualified and experienced plumbers. They can support the process of drain pipe cleanup, mitigation, and repair.

Causes of Sewer Backup


Several things might cause sewer to back up into your home. Sewer backups may cause significant property losses, whether it is only a tiny leak or ankle-deep flooding. Typical reasons include

  • Clogged pipes: Lack of routine maintenance, flushing non-biodegradable objects down the toilet, and emptying a lot of food scraps into the garbage can are just a few typical causes of clogged drain pipes. Sewer backups in other areas of the house might become a greater issue if the obstruction is allowed to continue.
  • Tree roots: Strong tree roots can entangle subterranean pipes, causing them to buckle and burst, which can cause sewage backups. As soon as you become aware of sluggish drains and strange noises, have them checked to possibly stop tree roots from harming your sewer system.
  • Broken line: Sewer can easily leak into your property due to damage to the connection that links your home to the main. If you think this is the cause of the sewer backup in your home, get in touch with your local municipality.

Tips for Avoiding Sewer Problems


The following are some of the best actions you can take to avoid sewer backups and blockages:

·       Always place cooking fats, oils, and grease in a trash-receptacle-ready container. You shouldn’t just flush this stuff down the drain.

·       Remember to dispose of diapers, sanitary pads, and other things in the trash—never flush them down the toilet!

·       To stop backflows or backups from the sewer, install a sewer backflow preventer device (BPD).

·       When it comes to landscaping, be careful not to put trees or other plants with spreading roots next to sewage laterals since they can encroach into the sewer lines and cause jams, backups, and even burst pipes.

·       Use a plunger and then a plumber’s snake to try to remove the obstruction if the drainage in your bathtub, sink, shower or toilet is slowing down. If this doesn’t work, call a plumber because they have equipment made specifically for this kind of issue.



Plumbing problems are among the most expensive repairs a homeowner can face. This is especially true when the problems are the result of unforeseen harm. Adding sewer line coverage to your homeowner’s insurance can help cover the expenses of defective plumbing and backups. The coverage protects not only the inside of your home but also the pipelines that lead outside and into your property.

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