Do most homeowners insurance policies cover replacement of sewer lines?

One of the toilets in my home stopped working. After hiring a plumber, I found out that I need to replace a portion of the sewer line. It's going to cost $8,000. Will my homeowners insurance cover this situation?

Answer
“Even if you have a water or sewage backup endorsement on your homeowners policy, it’s highly unlikely that your policy will cover the replacement of a sewer line.
However, you can often add a separate sewer line endorsement or additional coverage to your existing policy.
If you add this to your policy, you’ll want to read what it covers, as well as how to choose the right deductible, just as you would on car insurance. This will help you keep costs low and still have the coverage you need.
If you’re unhappy with your insurance coverage or rates for adding additional coverage, consider shopping around. Different carriers offer different coverages at different rates, so you can likely find what you’re looking for.
A smart-comparison tool like Jerry makes pulling multiple quotes easy. Jerry does all the hard work of finding quotes and helping fill out paperwork so you can save time and money.”
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Eric Schad
Answered on Aug 12, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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