Best Sewer Line Insurance

Contributor, Benzinga

Want to find the best coverage? Most of our readers prefer Lemonade for their home insurance needs.

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.

Quick Look: The Best Sewer Line Insurance

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.

1. Lemonade

Lemonade provides a top-rated homeowners insurance experience that’s easy and hassle free. Award-winning customer service and digital, super-fast everything from just $25 a month.

Lemonade recently began offering Buried Utilities coverage, which can offer up sewer line protection. This provides protection for damage to underground pipes on your property.

Buried Utilities coverage with Lemonade is currently available in the following states: Wisconsin, Virginia, Oklahoma, Tennessee, Oregon, Arkansas, Rhode Island, Connecticut, Georgia, Arizona and New Jersey.

Using the Lemonade app you can get insurance in 90 seconds. It takes about 3 minutes to get paid for a claim. Boasting simplicity and transparency, Lemonade takes a flat fee, pays claims quickly and donates what’s leftover to causes close to your heart. It’s like receiving and giving all in one.

Check Prices securely through Lemonade’s website
Best For
Ratings, price and customization
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1 Minute Review

Lemonade home insurance provides a top-rated homeowners insurance experience that’s easy and hassle free. Award-winning customer service and digital, super-fast everything from just $25 a month.

Lemonade uses technology to simplify the home insurance claims and sign up process. You can buy a policy in just a few minutes by answering a few simple questions, and some claims can be  paid instantly using its innovative AI technology. 

The app has high user ratings and keeps you connected with your policy. Lemonade may also donate a portion of your premiums to a charity of your choice each year through its Giveback program. 

Best For
  • Those looking for an ultramodern home insurance experience
  • Those looking to switch from other homeowners insurance coverage
  • Tech-loving homeowners who want fast, efficient home coverage
Pros
  • Get coverage in as little as 90 seconds
  • Most claims paid in less than 3 minutes
  • Leftover premiums support charities you care about
  • Buried utilities and equipment failure endorsements available
Cons
  • Not yet available in all states

2. Choice Home Warranty

While not technically insurance, Choice Home Warranty offers valuable coverage, including for some things that may fall outside of your traditional home insurance policy, like sewer line insurance.

Choice Home Warranty offers several plans that provide coverage for plumbing issues, including 1 plan that offer sewer line coverage. Their plans offer protection for several other types of appliances and so forth that aren’t always covered with your traditional home insurance policy.

Get in touch with Choice Home Warranty for your free home warranty quote.

Find Your Plan securely through Choice Home Warranty’s website
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Coverage for normal wear and tear
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1 Minute Review

While traditional home, landlord or rental property insurance covers things like the home dwelling and liability, a home warranty offers coverage for things like standard wear and tear to home appliances. Choice Home Warranty is a crowd-favorite provider of home warranties.

They’ll connect you with pre-screened local technicians with their 24 hours a day, 7 days a week home warranty service.

Choice Home Warranty’s plans offer coverage for appropriately maintained appliances no matter their age. The upgrade plan covers refrigerators and washing machines. Once you sign up, there is a 30 day waiting period before coverage begins. You’ll be protected for 365 days from the date your policy is active.

Best For
  • Coverage for normal wear and tear
Pros
  • 24/7 warranty service
  • Guarantees all repairs for 90 days, longer than the industry average
  • The upgrade plan covers refrigerators and washing machines
Cons
  • Charges a fee per service call

3. American Family Insurance

American Family Insurance is an insurance provider offering a wide range of both standard and niche policies. Their products include anything from home insurance to landlord insurance to sewer line coverage.

Their Sewer and Water Line Insurance policy covers the following:

  • Wear and tear
  • Sewer line collapse
  • Rust, corrosion, decay and deterioration
  • Electrical breakdown
  • Mechanical breakdown
  • Pressure system breakdown
  • Hidden or latent defect
  • Freezing of sewer line

American Family Insurance offers several other useful standalone and add-on policies, like water and power line insurance. Get in touch with them to get a free quote today.

get started securely through American Family’s website

4. HomeServe

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.

Get started securely through HomeServe’s website

5. 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.

Get started securely through Service Line Warranties of America’s website

6. 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.

Get started securely through American Water Resources’s website

7. 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.

Get started securely through Erie Insurance’s website

8. 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.

Get started securely through Mercury’s website

What is Sewer Line Insurance

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.

What Does Sewer Line Insurance Cover?

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.

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.

Who Needs Sewer Line Insurance?

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.

To dive deeper, you have to look at the pipes. 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.

Does Homeowners Insurance Cover Sewer Lines?

This all depends on your provider, but sewer line coverage is often not built into a standard homeowners policy. Some providers do include it, though, and others offer it as an add-on or standalone policy. Some insurers may offer home warranties that include sewer line damage. Check out some of our favorite homeowners insurance policies below to see if they offer sewer line coverage as part of their available products.

Check Prices securely through Lemonade’s website
Best For
Ratings, price and customization
N/A
1 Minute Review

Lemonade home insurance provides a top-rated homeowners insurance experience that’s easy and hassle free. Award-winning customer service and digital, super-fast everything from just $25 a month.

Lemonade uses technology to simplify the home insurance claims and sign up process. You can buy a policy in just a few minutes by answering a few simple questions, and some claims can be  paid instantly using its innovative AI technology. 

The app has high user ratings and keeps you connected with your policy. Lemonade may also donate a portion of your premiums to a charity of your choice each year through its Giveback program. 

Best For
  • Those looking for an ultramodern home insurance experience
  • Those looking to switch from other homeowners insurance coverage
  • Tech-loving homeowners who want fast, efficient home coverage
Pros
  • Get coverage in as little as 90 seconds
  • Most claims paid in less than 3 minutes
  • Leftover premiums support charities you care about
  • Buried utilities and equipment failure endorsements available
Cons
  • Not yet available in all states
Best For
Excellent claims process
N/A
1 Minute Review

The Hartford is one of the most trusted providers of various types of insurance, including property, casualty and business insurance. Homeowners and rental property owners alike will find solid coverage backed by strong financial ratings.

Best For
  • Excellent claims process
Pros
  • Financially strong
  • Ranked No. 1 by JD Power and Associates for claims paying
Cons
  • Slower than average quote time
Compare Quotes securely through Allstate’s website
Best For
No Recent Claims
N/A
1 Minute Review

Allstate is one of the best-known insurance companies in the business and for good reason. It offers a range of coverage options so you can tailor your coverage to your needs. You can apply for a policy through a local agent or online. Even if you buy a policy online, you can still get assistance from a local agent, which can be helpful when it’s time to file a claim. 

Allstate’s claims process is clear and you can track it online so you know exactly what’s going on. It also has a mobile app that you can use to pull up ID cards, take photos for a claim and pay your bills. Allstate is a good choice for those with multiple policies and who like personal service.

Best For
  • Home owners with multiple policies
  • Home owners without a recent claim
Pros
  • Ease of online service or through an agent
  • Clear claims process
  • Useful mobile app
Cons
  • Average customer satisfaction for claims
  • Optional coverage like yard and garden not available in every state
get started securely through American Family’s website

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

Q

How do I know if my sewer line is broken?

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How do I know if my sewer line is broken?
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A
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There are several indicators that there is trouble with your sewer line. Signs can include sewage backup, unpleasant smells, slow or stopped drains, mold and foundational cracks. An influx of pests can also be a big sign.

The best route when you suspect you have a sewer line issue is to call a professional, such as a plumber, to assess.

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Q

How long does a sewer line repair typically take?

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How long does a sewer line repair typically take?
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A
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This all depends on the extent of the damage and the location of the sewer line. However, the general consensus is that a repair will take an average of 1 to 3 days. Some repairs could be a quick fix and only take an hour or so — others may drag on longer than a week.

That’s why having sewer line coverage will not only save you money, it will save you from added stress when you least need it.

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