Does Your Homeowner’s Insurance Policy Cover Your Sewer Lines?

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You know you have homeowner’s insurance to cover accidental damage to your home. But do you know what it covers if you have a sewer line problem? Many homeowners assume that if they have a major issue with their sewer lines, their insurance will be available to help with the costs of repairs. However, that is not always case. Here are a few tips to ensure you are not caught off guard when you have a sewer line problem.

  • Regular wear and tear. In most cases, sewer lines that break or get clogged due to normal wear and tear are not covered under homeowner’s insurance. This is a good reason to have routine maintenance done on your sewer lines to inspect for issues before they become clogged or broken.
  • City sewer. If you are connected to a city sewer system, the general rule is you are responsible for pipes on your side of the property line. If your insurance does cover sewer line problems, it will only cover those that happen on your property.
  • Check your policy. Read your homeowner’s insurance policy. Check for coverage for sewer or plumbing issues. Does it cover repairs or replacement? Does it cover damage caused to your home from a sewer line break or backup? If you are not sure, call your insurance agent. You may be able to add a rider to cover these potential issues for a low premium.

Knowing what is covered under your insurance ahead of time can help prepare you in case of a sewer line issue. It is better to know what to expect than to be caught unaware during a sewer emergency.

Posted on behalf of:
Bynum & Sons Plumbing, Inc.
2120 McDaniels Bridge Rd SW
Lilburn, GA 30047
(770) 736-8283

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