Sewer lines are delicate parts of the home, as one single break or leak can send you packing from your house. One way to ensure that you are not overwhelmed when it happens is to get sewer line insurance.
This way, you can protect yourself from incurring several financial losses. No one likes to make large expenses without a plan in place first.
Damaged sewage systems can cause significant losses for the homeowner by destroying floors, furniture, and personal belongings.
To further worsen the case, without insurance, it can leave the homeowner with several bills like pipe replacement, structural repair, renovation (if necessary), and lots more to settle.
So, to solve this problem, or better still, to prevent it, you can find out if your home insurance plan covers the sewer line. Since many home insurance companies exclude sewer line insurance, you may be able to add an endorsement or purchase sewer line insurance separately.
Getting sewage coverage increases your standard insurance policy. If you experience a sewer line catastrophe, you can be less worried because your sewer line insurance will cover the costs. In contrast, your home insurance will cover any damaged or lost property in your home.
The benefits of having this insurance cannot be overemphasized. Hence, we have compiled a list of the best sewer line insurance companies, all at an affordable cost.
Keep reading to find out.
What does a Sewer Line Insurance Cover?
Standard home insurance doesn’t cover sewer lines and most service lines in your home. Some insurance companies offer add-ons that expand the home insurance to cover the sewer lines, while others sell sewer line insurance as a standalone.
More so, some standard insurance policies don’t cover damage caused by floods. If you live in a flood-prone area, you can buy flood insurance through the National Flood Insurance Program, administered by the Federal Emergency Management Agency.
However, flood insurance doesn’t cover sewer lines or damages caused by sewage line backups.
Hence, a few things to consider before buying sewer line coverage. Before signing the contract, you want to know what the policy covers and excludes.
A typical sewage insurance should cover the following:
Repairs carried out by most insurance companies are guaranteed; in some cases, you will sign a form expressing your satisfaction with the repair.
Also, many companies offer service line plans extending beyond water backup coverage.
How Much Does a Sewer Line Insurance Cost?
The cost of sewer line insurance varies from one insurance company to the other, depending on the coverage you purchase.
If you purchase sewer line insurance as standalone insurance, expect to pay between $5 to $15 per month.
Pricing and availability may differ by location. So, consider the deductible when comparing prices for coverage.
Also, remember that insurance purchased from a utility company only covers the sewer line, not your home or personal belongings, following a sewage or water backup.
Some insurance companies offer water backup coverage differently for about $50 per year.
Where Can I Buy Sewer Line Insurance?
Sewer line insurance can be purchased from several warranty providers and insurance companies. However, some of these coverage plans may have hidden costs that cause you to pay when you need repair.
So, to help you get the best deal when it comes to sewer line insurance, here are the best sewer line companies.
Remember that these companies do not cover home damage due to sewer line issues.
Hippo is a home insurance provider that offers various home coverage plans. The policies provided by Hippo are designed to help you take care of your home and avoid making a claim.
The policies are affordable, and discounts are offered to new homeowners. Additionally, the company uses advanced technology to provide coverage for your home.
Its policy includes coverage for electronics, home office equipment, and lots more. And you can get a quote in 60 seconds.
Get to know more about Hippo by clicking the button below.
Homeserve is an insurance company that offers sewer line insurance as standalone insurance. It combines sewer line insurance with other plumbing repairs.
Homeserve has a 30-day wait period before coverage becomes effective. All covered repairs have a one-year guarantee. You can expect to pay $13 monthly for $6,000 in coverage.
Click the button below to learn more.
#3. American Water Insurance
American Water Insurance is a subsidiary of American Water – the largest and most geographically diverse publicly traded water and wastewater company in the U.S.
The company offers a sewer line repair plan covering essential site restoration, clogged sewer repair, and many more. However, its home insurance doesn’t cover the sewer line, hence the need for the “sewer line protection program.”
Basic sewer line coverage with American Water Resources costs $9 per month. Repairs are guaranteed for one year, and coverage is subject to a 30-day waiting period. Like other sewer line insurance companies, prices vary based on location.
Learn more about American Water Insurance and how you can enroll in their sewer line protection program by clicking the button below.
#4. American Family Insurance
American Family Insurance offers service line coverage plans, including sewer, water line, and water line insurance.
The price for insurance costs $20 annually after you’ve paid a deductible of $500. This cheap insurance allows you to cover repairs worth up to $10,000. However, the prices vary based on the service line involved.
For sewers buried in the ground that require excavation, repairs can range from $3,000 – $5,000.
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#5. Service Line Warranties of America
Service Line Warranties of America offers home repair plans alongside sewer line repairs. It has one of the most affordable plans and the best coverage plans.
Although availability depends on the area, repair plans are still worth $5 per month.
All repairs are done by skilled technicians working with local municipalities and cities.
Learn more about the Sewer Line repair plan by clicking the button below.
Signs of Sewer failures
When you notice any of these symptoms, you must act fast and contact your Sewer line insurance company.
To Wrap It Up… Do You Need Sewer Line Insurance?
Absolutely Yes. Sewer line insurance is necessary for all homeowners as you wouldn’t want to spend thousands of dollars during sewer repair when you can pay hundreds or less.
The sewer line problem is one of the dreadful aspects of having a house. An incident can leave you with a bad experience, and there’s no one to blame because these things happen. It could result from trees, age, weather, or anything you can think of.
So, it’s best you bootstrap by having sewage insurance in case of an emergency.
I hope this list helps you make the right choice.
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