Does State Farm Cover Sewer Lines?

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Paving out sewer line (Photo: @photovs via Twenty20)
State Farm insurance is a household name, as it has been an insurance provider for nearly a century. The company also offers a wide range of products, including car insurance, homeowner’s insurance, and specialty add-ons. It’s with one of these specialty add-ons to the standard homeowner’s insurance policy that State Farm covers sewer lines under specific circumstances.

Sewer line coverage with State Farm

While the standard homeowner’s insurance policy with State Farm provides an array of protections for things like busted pipes, most issues with sewer lines are not automatically part of the deal. You can, however, add some protection against water damage from a failed sump pump or septic system onto your policy.
While the annual cost of this addition is dependent on the value of your home and breadth of coverage, it is relatively inexpensive. You can even get a quote online without ever leaving the couch.

What can go wrong with sewer lines

Your septic system and sewer lines rarely get much thought, although they play a vital role in whisking away unwanted matter. Despite lying beneath the surface of your home, it can be disastrous when one of these things go wrong:
  • Backed-up sump pump
  • Bellied, or sunken, pipes
  • Blockages
  • Broken pipes
  • Deteriorated, or corroded, pipes
  • Leaking joints or seals
  • Sump pump failure
  • Tree root infiltration
Many of these issues develop over time, which is why a standard homeowner’s policy designed to handle sudden, unpreventable disasters does not cover them.

An ounce of protection…

While having a State Farm policy that protects against sewer line problems provides some peace of mind, preventing issues from arising in the first place is advisable. Septic tank and line inspection is your secret weapon in this regard.
It is advisable to schedule an inspection every three to five years, as these regular check-ups can detect when issues first begin to arise. That way, you can often make a small repair or schedule a line cleaning, heading off problems before they worsen.
You might wonder what’s involved in a sewer line and septic system inspection, especially since most of the system is out of sight and underground. Sewer line technicians use cameras and mirrors to peer inside your tank and sewer lines for close-up views of the internal workings of your septic system. They can also perform a drainage test by digging narrow holes around the system to see if there’s pooling water and waste that’s indicative of a bigger problem.

Will State Farm come to the rescue?

Even with septic and sewer line protections added to your State Farm policy, not all potential septic problems are covered. In general, if an Act of God or another individual damages your sewer lines, you’re in good shape in terms of coverage. Here are some other things potentially covered by State Farm with the homeowner’s insurance septic and sewer line add-on, or rider:
  • Inspections
  • Excavation
  • Limited repairs, replacement, and restoration
  • Landscaping after repairs
  • Additional living expenses from loss of use
Other sudden and unpreventable issues are typically covered, but a State Farm representative will make the determination of if it falls within the parameters of your policy. It’s not unusual for part of the cost of repairs or replacement to be covered with the remainder being your responsibility.