Should You Buy Sewer Line Insurance?

Some people buy life insurance to secure their and their loved one’s future. Those who drive their cars also need auto insurance if something happens on the road. Insurance can give you peace of mind because we don’t know what could happen in the next few hours, days, or months. 

The same goes for your sewer line. Anything could happen to your pipes that can cause damage and leaks and affect the quality and supply of water at home. When that happens, it is best to call a plumber to help fix your problematic pipes.

Should you get sewer line insurance? 

If your home’s piping system connected to the city sewer main has damage, traditional homeowners insurance usually won’t pay for it. You might end up paying for the damaged pipe instead, which is not cheap, to begin with. 

Getting sewer line insurance can help you give that peace of mind, and you won’t have to shell out a lot of money for repairs. There are many other reasons why buying sewer line insurance is important. One that stands out is that it can help you get back on your feet in the event of a disaster.

Another reason is that it can cover your home and property damages. In addition, it can protect you from any legal liability should someone be injured or killed on your property due to a sewer line break.

Tree root intrusions, heavy rains, and other harsh outdoor elements can cause plumbing problems. Likewise, it can cause sewage to back up into your drains, basements, and sinks. In effect, it can damage your home and affect the quality of your life. 

The older the sewer system, the more sewer backup incidents will happen. If you are contemplating whether to get sewer insurance or not, you need to consider the following factors: 

  • Your home’s age 
  • Underground rooms (basements) 
  • Trees on your property 
  • The possibility that your city’s sewer system combines raw sewage and stormwater into one pipe 
  • Other sewer line issues in your neighborhood

Does the homeowner’s insurance cover sewer lines? 

Standard homeowners’ insurance policies do not cover sewer line issues. So if you just want to ensure, consider buying sewer line insurance. It will cover damages due to the following: 

  • Fire 
  • Vandalism 
  • Lightning strikes 
  • Hail
  • Windstorms 
  • Falling objects (tree branches) 
  • Vehicle or aircraft collisions 
  • Explosions 

Sewer line insurance is made for properties that use a sewer system instead of the usual cesspool or septic systems. If any part of the sewer line within your property is damaged, the coverage will depend on the type of damage as covered in the policy. 

Meanwhile, the sewer line may not be covered by insurance if it is because of: 

  • Negligence or failure to maintain (homeowner’s fault) 
  • Earthquakes (could be paid by earthquake insurance) 
  • Floods (sewer line backups due to floods could be paid by flood insurance) 
  • Pests 
  • Tree roots 
  • Defective construction 

If you consider buying sewer line insurance, you can ask existing homeowners insurance carriers about sewer line coverage options. But you should know who to call for your pipe and drain problems. Contact your trusted plumber in Spring Hill, TN, today.


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