Does home insurance cover French drains?

"My new house comes with a French drain installed. If it becomes damaged or defective, will my home insurance cover it?


“Great question! If you have water/sewer backup coverage on your policy and the French drain fails to operate properly, the damage would be covered. The insurance doesn’t cover the actual French drain itself, but you could add a rider for it or get a separate policy that specifically covers the actual drain.
Keep in mind that if the water damage is due to a flood, you need a separate flood policy to cover that.
Jackie Whalen
Answered on Apr 14, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.

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