What Is Sewer Line Insurance?


Quick Answer

Sewer line insurance is extra insurance a homeowner can purchase to help cover the cost of a sewer line clog, leak or break. Most homeowners insurance policies do not cover these kinds of repairs, according to The Law Dictionary.

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Full Answer

Sewer line insurance can be purchased separately or added on to an existing homeowners insurance policy. Costs and coverage amounts vary, depending on the coverage amounts and insurance company. Some water utility companies offer coverage starting at around $10 per month.

Many homeowners are surprised when they learn that their regular homeowner policy does not cover sewer repairs, notes The Law Dictionary. Depending on the problem, a sewer repair can cost thousands of dollars, resulting in financial hardship for those who encounter them. Purchasing a sewer line insurance policy is especially useful for those who own an older home, as these homes are more likely to need extensive sewer line repairs.

Many insurance companies offer what is called a "rider," which is an add-on to an existing policy that can help with sewer repairs. These add-ons are typically inexpensive, costing $20 to $30 per month and can cover repairs of up to $5,000. Homeowners should check with their insurance company to find out if this option is available to them.

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