What Is Sewer Line Insurance, and Best Companies in 2021

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Sewer lines are very delicate parts of the home as one single break or leak can literally send you packing from your own house. One way to ensure that you are not overwhelmed when it happens is to get a sewer line insurance.

This way, you can protect yourself from incurring several financial losses. As no one likes to make large expenses without a plan in place first.

Damaged sewage systems can cause major losses for the homeowner by destroying floors, furniture, and personal belongings. To further worsen the case, without insurance, it can leave the homeowner with several bills like pipe replacement, structural repair, renovation (if necessary), and lots more to settle.

So, to solve this problem, or better still to prevent it, you can find out if your home insurance plan covers the sewer line. Since many home insurance companies exclude sewer line insurance, you may be able to add an endorsement or purchase a sewer line insurance separately.

Getting sewage coverage increases your standard insurance policy. If you experience the sewer line catastrophe, you can be less worried because your sewer line insurance will cover the costs while your home insurance will cover any damaged or lost property in your home.

The benefits of having this insurance cannot be overemphasized. Hence, we have compiled a list of the best sewer line insurance companies, all at an affordable cost.

Keep reading to find out.

What a Sewer Line Insurance Covers?

Sewer lines and most service lines in your home aren’t covered by standard home insurance. Some insurance companies offer add-ons that expand the home insurance to cover the sewer lines while some other companies sell sewer line insurance as standalone insurance.

More so, some standard insurance policies don’t cover damage caused by floods. If you live in a flood-prone area, you can buy flood insurance through the National Flood Insurance Program, administered by the Federal Emergency Management Agency.

However, flood insurance doesn’t cover sewer lines or damages caused by sewage line backups.

Hence, there are a few things to consider before buying a sewer line coverage. Before signing the contract, you want to ensure you know what the policy covers and what it excludes.

A typical sewage insurance should cover the following:

  • Excavation costs
  • Wear and tear of sewer lines
  • Welding
  • Rust, corrosion, decay & deterioration
  • Hidden or latent defect
  • Freezing of pipes
  • Collapse
  • Electrical breakdown
  • Mechanical breakdown (fusing, fitting of external vales, repairing or replacing damaged seals and joints)
  • Pressure system breakdown

Repairs carried out by most insurance companies are guaranteed, and in some cases, you will sign a form expressing your satisfaction with the repair.

Also, many of the companies offer service line plans that extend beyond water backup coverage.

How Much Does a Sewer Line Insurance Cost?

The cost of sewer line insurance varies from one insurance company to the other, depending on the coverage you purchase.

If you choose to purchase sewer line insurance as standalone insurance, expect to pay between $5 to $15 per month.

Pricing and availability may differ by location. So, consider the deductible when comparing prices for coverage.

Also bear in mind that insurance purchased from a utility company only covers the sewer line, not your home or personal belongings following a sewage or water backup.

Some insurance companies offer water backup coverage differently for about $50 per year.

Where Can I Buy Sewer Line Insurance?

Sewer line insurance can be purchased from several warranty providers and insurance companies. However, some of these coverage plans may have hidden costs within them that cause you to pay when you need repair.

So, to help you get the best deal when it comes to sewer line insurance, here are the best sewer line companies.

Bear in mind that these companies do not cover home damage as a result of sewer line issues.

  • Hippo
  • HomeServe
  • American Water Insurance
  • American family insurance
  • Service Line Warranties of America

#1. Hippo


Hippo is a home insurance provider that offers a wide variety of home coverage plans. The policies offered by Hippo are designed to help you take care of your home and avoid making a claim.

The policies are affordable, and discounts are offered to new homeowners. Additionally, the company uses advanced technology to offer coverages for your home.

Its policy includes coverage for electronics, home office equipment, and lots more. And you can get a quote in 60 seconds.

Get to know more about Hippo by clicking the button below.

#2. Homeserve


Homeserve is an insurance company that offers sewer line insurance as standalone insurance. It combines sewer line insurance with other plumbing repairs.

Homeserve has a 30-day wait period before coverage becomes effective. All covered repairs have a one-year guarantee. You can expect to pay $13 per month for $6,000 in coverage.

Click the button below to learn more.

#3. American Water Insurance


The American Water Insurance is a subsidiary of the American Water – the largest and most geographically diverse publicly traded water and wastewater company in the U.S.

The company offers a sewer line repair plan that covers basic site restoration, clogged sewer repair, and lots more. However, its home insurance doesn’t cover the sewer line, hence the need for the “sewer line protection program.”

Basic sewer line coverage with American Water Resources costs $9 per month. Repairs are guaranteed for one year and coverage is subject to a 30-day waiting period. Like other sewer line insurance companies, prices vary based on location.

Find out more about American Water Insurance and how you can enroll in their sewer line protection program by clicking the button below.

#4. American Family Insurance


American Family Insurance offers service line coverage plans that include sewer line insurance, water line insurance, and water line insurance.

The price for insurance costs $20 annually after you’ve paid a deductible of $500. This cheap cost of insurance allows you to cover up repairs worth up to $10,000. However, the prices vary based on the service line involved.

For sewers buried in the ground that require excavation, repairs can range from $3,000 – $5,000.

#5. Service Line Warranties of America


Service Line Warranties of America offers home rapir plans alongside sewer line repairs. It has one of the most affordable plans and best coverage plans.

Although availability depends on the area, there are still repair plans worth $5 per month.
All repairs are carried out by skilled technicians, and they work hand in hand with local municipalities and cities.

Learn more about the Sewer Line repair plan by clicking on the button below.

Signs of Sewer failures

  • Persisting bad odor
  • Cracks in the foundation or piping
  • The slow passage of water from sinks can indicate clogging
  • Sewage backups
  • Leaks from toilets or sinks or tubs
  • Presence of rodents in your home.

When you notice any of these symptoms, its important you act fast and contact your Sewer line insurance company.

To Wrap It Up… Do You Need Sewer Line Insurance?

Absolutely Yes. Sewer line insurance is a necessity for all homeowners as you wouldn’t want to spend thousands of dollars during sewer repair when you can just pay hundreds or less.

Sewer line problem is one of the dreadful aspects of having a house. An incident can leave you with a bad experience, and there’s no one to blame because these things just happen. It could be as a result of trees, or age, or weather, or anything you can think of.

So, it’s best you bootstrap by having sewage insurance in case of an emergency.

I hope this list helps you make the right choice.

Good luck!

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