{"id":5964,"date":"2023-11-14T12:57:09","date_gmt":"2023-11-14T12:57:09","guid":{"rendered":"https:\/\/businessyield.com\/ins\/?p=5964"},"modified":"2023-11-14T12:57:11","modified_gmt":"2023-11-14T12:57:11","slug":"sewer-line-insurance","status":"publish","type":"post","link":"https:\/\/businessyield.com\/ins\/home-insurance\/sewer-line-insurance\/","title":{"rendered":"SEWER LINE INSURANCE: What Is It & Do You Need It?"},"content":{"rendered":"
Over time, you may save thousands of dollars by including sewer line and water service coverage in your homeowner’s insurance policy. Policies and providers differ in what they cover when it comes to sewer lines and backups. The monthly cost of sewer line insurance ranges from $10 to $15. <\/p>
When a covered peril<\/a> causes damage to a sewer line, homeowner’s insurance may pay for it. A homeowner’s insurance policy might cover repairs for a damaged sewer line resulting from common causes if they add a special endorsement. Your homeowner’s insurance might cover the cost of fixing the sewer line itself if it suffered damage due to a covered peril.<\/p> Replacement of a damaged sewer line is typically included in a standard homeowner’s policy’s “other structures coverage,” which also protects uninsured outbuildings like garages and detached carports. However, your policy’s dwelling <\/a>coverage deductible for sewer line damage may be as high as 10% of your home’s total insured value.<\/p> A typical homeowners<\/a> insurance policy typically covers sewer line damage due to fire, lightning, hail or windstorms, explosions, vehicles or aircraft, falling objects, or vandalism.<\/p> Your insurance plan might cover damage to your sewer line as a result of hail or windstorms, explosions, lightning, fire, damage from vehicles, vandalism, or falling objects. The coverage for other structures, which is normally 10% of the insured value of your home, may apply to the sewer line if it is located on your property. However, the specific insurer may have different limits for this coverage. <\/p> However, there are frequently situations where regular homeowner’s insurance does not cover sewer line damage. For instance, repairs are typically not covered if the pipe damage was a result of poor construction or neglect. Generally, damages from pests, earthquakes, trees, or floods are not included.<\/p> You can get help with some problems with your sewer lines through Coverage B of your homeowner’s insurance. This covers other buildings on your property that are not attached to your home.<\/p>Does Homeowners Insurance Cover Damage to Sewer Lines?<\/span><\/h3>
Sewer and Water Line Additional Coverage<\/span><\/h3>
#1. Service Line Coverage<\/span><\/h3>