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Is Sewer Line Replacement Covered by Homeowner's Insurance?

Before performing any sewer repairs, it’s best to check with your insurance provider to understand exactly what your homeowner’s insurance policy covers. Most policies exclude repairs due to damage caused by wear and tear, a fact that many homeowners find surprising. Most believe sewer line damage is sudden and completely by accident. Unfortunately, this is typically not the case.

If you take time to shop around, you may discover an independent insurance broker that allows additional coverage options. One such additional coverage plan may include sewer and drain coverage. Of course, you’re likely to pay more per year for additional service. Furthermore, some utility companies offer protection plans, for sale via third-party companies, that include sewer pipe repairs and maintenance. Ultimately, your best bet is to shop around. Do not simply assume your homeowner’s insurance policy covers everything. Read the fine print beforehand for the best results!

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