What is sewer line insurance?
I’m worried about the sewer line in my home. Is there insurance that covers it?
Sewer line insurance is an endorsement added to your homeowner's insurance. An endorsement is a modification to your insurance specifying that it does or doesn’t cover something. An endorsement for sewer line insurance specifies that your homeowner's insurance will cover issues with your sewer lines or sump pump.
It’s important to understand how a sewer line works. There’s a sewer line that connects your home to the main public sewer line. Sewer line insurance covers problems with this sewer line, like if it gets clogged and causes showers, sinks or appliances to get backed up.
Adding sewer line insurance will cost a little extra on top of your regular homeowner's insurance premiums, but only a little. This type of coverage is typically very cheap.
Does homeowner's insurance cover sewer lines?
I live in an older home. We’ve had some problems with plumbing already. We already have homeowner's insurance. Would that cover issues with my sewer line?
Yes, but only if it’s spelled out in your homeowner's insurance ahead of time. It’s not something that you can ask to be covered after a backup has already occurred.
If you want sewer line insurance, then you should ask the independent insurance agent who manages your homeowner's insurance to add the endorsement for sewer lines. They can help you find the coverage you want.
What policies cover sewer line damage or backup?
My water company mentioned something about insurance. Should I buy it from them? What are my options for sewer and water line coverage?
Only a special endorsement in your homeowner's insurance will provide full sewer line coverage. However, another insurance option that covers a more limited set of scenarios is to pay for water line insurance, usually sold through your utility company.
Water line insurance covers damage to your clean water line, which can also get clogged, cracked or otherwise damaged.
Your best bet is to ask your independent insurance agent to get sewer line and water line coverage added to your homeowner's insurance. But water line insurance through your utility company is also an option.
Is water and sewer line insurance worth it?
I’m confused about sewer line coverage. I live in a new development with brand new water lines. I’m just not sure if it’s worth the money to add the coverage when it’s not very likely that something bad will happen. What should I do?
There’s always a risk of accidents with sewer lines, but it’s true that some homeowners face less risk than others. It’s all in the eye of the beholder.
This type of insurance is most worth it if you live in an older home and don’t have significant savings. If a sudden, giant bill to replace your sewer line would devastate your budget, you should definitely think about sewer line insurance.
However, since you’re in a newer home where water or sewer line damage is less likely, this type of insurance might be overkill. This is especially true if you live in a condo or townhome, which will usually have tighter water and sewer line regulations and thus less potential for accidents.
It’s always a good idea to talk to your independent insurance agent when you’re not sure about what coverage you need. They can cut through the jargon and help you understand what’s in your homeowners policy already. They can also do the hard work of getting extra coverage for you if you want it, so you don’t have to deal with the red tape.
It’s smart to be thinking about sewer line insurance now, since it’s definitely too late to add it once a big mess has already occurred. Good luck!