Your home insurance may have some expensive coverage gaps when it comes to sewer lines. If your sewer line fails, chances are good that you’re on the hook for repairs, which could cost thousands.
Sewer line insurance promises to protect your home from sewer line risks in exchange for a monthly premium or fee. Here’s what to consider.
Explore Quotes for Sewer Line Insurance
Tip: compare 2-3 companies
The Best Sewer Line Insurance:
- Best Overall for Sewer Line Insurance: Hippo
- Most Affordable: HomeServe
- Best for Claims: Service Line Warranties of America
- Best Customer Service: American Water Resources
- Best for Custom Coverage: Erie Insurance
- Best for Older Homes: Mercury Insurance
What Sewer Line Insurance Covers
Sewer lines and most service lines running from your house to a utility aren’t covered by standard home insurance. Some insurers offer a rider, an add-on that extends limited coverage, and there are also companies that sell sewer line coverage as a standalone contract or as part of a larger home warranty.
Sewer lines can fail over time, either collapsing, becoming clogged or invaded by roots. The problem may cost hundreds to fix if it can be repaired from above ground.
If the problem requires digging and line replacement, you can expect to pay thousands to fix your sewer line if you don’t have coverage.
There are a few considerations before buying coverage. Most home insurance policies don’t cover damage from sewer backup. Often, this is available as an add-on and is separate from coverage for sewer lines themselves.
A smaller group of insurers also offer service line endorsements, add-ons that provide coverage for sewer line failures which expand your home insurance coverage. Specialized coverage for sewer line protection is also available from a number of dedicated providers or home warranty companies.
If your sewer line needs to be replaced, the cost of repair can run between a few thousand dollars up to over $10,000 or more. Materials, labor, specialized equipment, landscape repair and possible repaving all add to the potential cost.
Depending on the coverage you choose, your sewer line insurance or protection plan can cover a significant amount of the cost.
Average Cost of Sewer Line Insurance
When purchasing sewer line protection as standalone coverage, expect to pay about $10 to $15 per month or higher.
We found plans that only covered sewer lines for under $10 per month, although pricing and availability may vary by location. Many providers for sewer line protection partner with regional utility providers or only service select areas.
If your insurer offers a sewer line endorsement, your monthly cost is likely to be lower. However, if a deductible applies, the savings may be erased if you have a claim. It’s unusual to find a home insurance deductible of less than $500 and a $1,000 or higher deductible is more common.
Consider the deductible when comparing prices for coverage.
When It’s Worth it to Get Covered
Insurance is designed to cover life’s larger financial losses. Sewer line service is likely to cost thousands, so it’s worth considering. Older homes are more likely to need sewer line repair as pipes age.
In homes built before the 1950s, sewer pipes were commonly made of clay, cast iron or a fiber conduit called Orangeburg. Of these pipe types, Orangeburg has proven itself to be the most problematic due to its porous nature. It absorbs moisture and its tendency to deform under pressure.
Orangeburg was used often in homes up until the 1970s. Even newer materials like ABS or PVC aren’t designed to last forever. Consider the potential cost of replacement when deciding if sewer line coverage is a good value.
For example, HomeAdvisor.com estimates the average cost to repair a sewer line at over $2,500 but cautions that costs could run much higher. If you were able to secure coverage for about $10 per month, your cost for a year of coverage is $120 for a year or $1,200 for a decade.
Clay pipes can last up to 50 or 60 years, while PVC can last over 100 years. If you have either of these types of pipes and you have a newer home, it’s unlikely that you need sewer line insurance.
Building an emergency savings account is a thriftier option. However, if your home is older, you may be on borrowed time. If you suspect you may have a sewer line failure sometime within the next 10 to 20 years, sewer line coverage can be a money-saver.
Our Picks for the Best Sewer Line Insurance
When choosing a sewer line protection plan, you’ll find similar coverage available through warranty providers and insurers. However, some coverage plans may have deductibles, hidden costs or gaps in coverage that can cost you money if you need a repair.
It’s also important to note that sewer line insurance does not cover damage to your home. For sewer backup or sump pump overflow coverage, ask your home insurance provider if you can get a rider.
Hippo Home Insurance is a relatively new insurance provider that offers a host of coverage types. Hippo Home policies include a number of protections left out of competitors’ policies and it only offers a somewhat antiquated claims process: over the phone only. Policies are on the more affordable end, and discounts are available for new homeowners and those who act early when they need coverage.
In addition to all the necessities Hippo also offers more coverage than the average insurer for computers, home office equipment, appliances and electronics, and they even insure your babysitter. You can get a quote in as little as 60 seconds. Take advantage of their smart home upgrades to prevent potential issues and have peace of mind with their full replacement costs coverage.
As one of the nation’s best-known home warranty companies, HomeServe offers a selection of warranty products. These include sewer line coverage as well as bundled coverage. It pairs sewer line protection with other plumbing concerns, like interior plumbing and drains. For sewer line coverage, expect to pay about $13 per month for $6,000 in coverage.
However, coverage per call is limited to $3,000 or $1,000 per call for service line restoration (as opposed to replacement). Like many providers, HomeServe has a 30-day wait period before coverage becomes effective. All covered repairs have a one-year guarantee.
3. Service Line Warranties of America
One of the most affordable plans also offers some of the best coverage limits. Service Line Warranties of America offers an unlimited annual benefit amount with an $8,500 per call coverage limit.
We found a plan for under $6 per month, although availability varies by area. Preexisting conditions may affect eligibility and homes that have had prior root removal from sewer or septic lines are not eligible. Repairs are performed by local licensed and insured technicians and work is guaranteed for one year.
4. American Water Resources
Choose from plans that cover sewer lines or bundled plans. These cover sewer and water lines as well as an option to add coverage for other plumbing emergencies. Basic sewer line coverage with American Water Resources is priced at $9 per month.
Coverage limits are $10,000 per occurrence, including sewer line repair, refill, and reseeding, as well as sidewalk or road repair related to the sewer line service. A $50 per call service fee may apply. Repairs are guaranteed for one year and coverage is subject to a 30-day waiting period.
5. Erie Insurance
A well-respected insurer with a history of protecting families dating back to 1925, Erie Insurance provides sewer line protection as part of a service line protection bundle. New or existing ErieSecure home insurance clients can add coverage, choosing from 2 plans that cover a range of utility lines including:
- Cable lines
- Internet lines
- Electrical wiring
- Natural gas pipes
- Propane pipes
- Sewer pipes
Erie’s Plus bundle provides up to $10,000 of coverage while the Select bundle extends coverage up to $25,000, enough to cover most big jobs. Your chosen deductible may apply for each occurrence, but higher coverage limits bring greater peace of mind. To inquire about coverage and pricing, just reach out to one of Erie’s 12,000 plus independent agents.
6. Mercury Insurance
One of the fastest-growing insurers and a company with a 50-year history of protecting families, Mercury Insurance. They offer service line protection as an add-on to its home insurance policies. $10,000 of coverage is paired with an affordable $500 deductible to provide coverage for a broad range of service lines, including sewer lines.
As a plus, Mercury’s coverage also helps pay for additional living expenses if your home becomes temporarily uninhabitable due to a covered service line claim. Not bad for a few extra dollars per month.
Choosing the Right Sewer Line Insurance
Sewer line protection can be purchased as either a warranty product or as an add-on to your home insurance policy. Some insurers that offer service line coverage as an endorsement don’t advertise the coverage. Check with your home insurance provider or agent to see if there’s an add-on available. Check with competitors, too. If service line coverage is a priority for you, it may be worth considering a switch to an insurer that can provide the coverage you need.
Warranties or protection plans are often offered without deductibles but can be more costly on a monthly basis. As always, read the fine print before making a commitment. Many plans have exclusions that may affect coverage for your home.
Frequently Asked Questions
1) Q: If my home is destroyed due to fire or weather, how long will it take for my insurance claim to be settled and my home to be repaired?
2) Q: What does home insurance cover?
Most modern home insurance policies cover your home for nearly all risks. However, every policy has exclusions, among which you’ll find things like neglect, wear and tear, and ordinance or law. Land movement, including earthquakes, and floods are excluded as well but can be insured with a separate policy. Personal property and liability coverage is also part of most home insurance policies. Get the best policy quote here.
3) Q: What are the most common types of home insurance claims?
Wind and hail claims top the list with nearly 40% of all home insurance claims due to these two acts of nature. Fire and lightning are the second most common, but claims due to fire tend to much bigger than claims dues to other types of risk. The possibility of a total loss is why it’s so important to insure your home for the full cost of rebuilding. Get a custom quote today.