![]() Purchasing water backup insurance doesn’t relieve you of the responsibility of proper home maintenance. Before entering into a home service contract, review the company’s customer service track record on the Better Business Bureau website. For instance, a home service agreement may offer a limited amount of sewer line protection but won’t pay for damage caused by sewage to your home’s interior or your personal belongings. While many of these companies offer useful services, they don’t provide the protection of adding sewer line coverage to your homeowners policy. Coupled with sewer line insurance, a home service agreement can offer comprehensive protection for your home and personal belongings. Some even offer emergency plumbing services. Some home service companies offer multiple services such as interior electric line, power surge, water heater repair and replacement and water line services. Many companies offer home service contracts that include sewer line repair service. However, flood insurance won’t cover sewer lines or damages caused by sewage line backups. If you live in a region prone to flooding, you can buy flood insurance through the National Flood Insurance Program, administered by the Federal Emergency Management Agency. Most standard insurance policies won’t cover damage caused by floods. Considerations when adding on sewer backup coverageĪll homeowners can benefit from the protection sewer backup coverage offers, but it’s important to know the type of coverage you need and what it will and won’t cover. But remember as your house grows older, there may be problems with the plumbing or sewage system, and in such instances, being insured can be a great protection against costly repairs. However, if you have a newer home with pipes made of clay or PVC, you may be able to do without sewer line insurance. If you have an older home built before the 1950s, you likely have a basement where standing sewage can cause havoc, or if your property is on a wooded lot, you would likely also need sewer line insurance. ![]() A faulty sewage system can cost thousands in repair, and your standard insurance policy may not be able to cover you. Do I need sewer line insurance?Ī home insurance policy is designed to protect homeowners against financial losses arising from their property. Some companies also sell sewer insurance as a standalone policy. However, some providers offer water or sewer backup as an add-on to the policy, but the coverage is often limited. No, sewer line replacement is not included in a standard home insurance policy. Does home insurance cover sewer line replacement? You can protect yourself from financial losses by adding sewer line insurance to your homeowners coverage. To make matters worse, sewage calamities often displace households and leave homeowners with bills for sewage cleanup, structural repairs and pipe replacement. While homeowners usually consider risks caused by faulty or failed plumbing systems, some people aren’t aware of sewage and water pipe responsibilities that extend beyond the walls of their homes.ĭamaged sewage systems can cause major losses that destroy floors, furniture, walls and belongings. Homeowners have plenty of risks to worry about but often overlook potential problems with sewage.
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