Do Homeowners Insurance Covers for Sewer Line Replacement

Every homeowner tends to have lots of risks to bear in mind but the majority never see the problems that can emanate from sewer lines.

There are some homeowners who even still think about risks from faulty or failed plumbing systems, some don’t even think that they need to worry about their sewage and water pipes. A sewage system that is destroyed can lead to the destruction of major places like the floors, furniture, walls, and belongings. This even becomes worse as the sewage line problem can often at times make homeowners abandon their houses. To avoid having this financial loss, make sure to sewer line insurance to your homeowners’ coverage. 

What to Know About Sewer Line Replacement Insurance?

The majority of times, your standard home insurance policy does not cover your sewer line replacement. Insurance companies do have a separate sewer insurance policy. Generally, your home insurance policy simply covers against financial loss emanating from your property. Sewage replacement costs a lot to get fixed and your home insurance policy won’t likely cover such heavy loss.

Sewer Line Replacement Insurance

Therefore, there is a need for every homeowner to have separate sewer line insurance. Homeowners with old sewage systems should make sure to opt-in for the insurance cover. Furthermore, since we can’t tell what the future holds, it will be wise enough for every homeowner to have this sewer line insurance cover to reduce the burden. 

Considerations When Adding On Sewer Backup Coverage

Sewer backup coverage is very good but it is best to know what it will cover and what it will not cover. As earlier explained, a standard insurance policy might not cover serious damage caused by floods. If you stay close to an area known to experience flood, then try out the flood insurance policy. This policy is most cases won’t cover sewer line replacement.

READ MORE:  10 Neutral Bedroom Ideas for a Modern Look

We have companies that provide sewer line repair services. Some even offer plumbing services just to protect our sewage system from getting damaged. The majority of the companies don’t like to add sewer line replacement to the cover. They will rather go as far as providing support to protect your sewer line but won’t pay for damage caused by sewage. Endeavor to check out the company’s customer service track record.

What to Do to Avoid Sewer Backup Claim Denial

  • Avoid pouring kitchen grease or cooking oil down drains
  • Desist from flushing diapers, facial wipes, and feminine hygiene products down toilets
  • Do away with any flood control system connected to your sewer line
  • All appliances in the basement should be raised to prevent damage in the event of water or sewage backup
  • Take care of your basement pump by carrying out routine maintenance. Make sure to fit in a battery backup that allows it to work even when there is a power outage
  • Do away with trees or shrubs whose roots might interfere with the waterline. For homeowners whose building is old, should replace the sewer line with a plastic pipe to avoid root damage


Sewer line insurance is important coverage for all homeowners but mandatory for those with an older home. This insurance cover helps to reduce the financial burden. It makes good financial sense to protect your home with sewer line coverage, which you can add to your standard homeowners’ insurance policy. Although people with new construction may not need sewer line coverage at first, it will be wise to get the protection as the property gets old.

Share this blog

Leave a Reply