Is Insurance For Sewage And Water Lines Outside Worth It?

Sewer and water line insurance can save you a lot of money if you have a sewer line break, especially if your house was built before 1950 or if your pipes are made of older, more porous materials that can absorb water. Monthly rates for exterior water service line plans range from $4.95 to $12.98, while for exterior sewer/septic line plans, monthly rates range from $7.99 to $12.98.

Unit companies offer service plans at low monthly rates that cover repairs to and damages from water and sewer lines. However, standard homeowners insurance typically only provides coverage for broken sewer pipes, which can cost thousands of dollars in excavation, repairs, and landscaping.

Sewer line insurance can help protect you in the event your sewer line is damaged since standard homeowners insurance doesn’t cover sewer issues. In most neighborhoods, outside plumbing insurance is a waste of money, but if your neighbors have experienced problems, it may be worth considering.

Utilities like American Water often offer offers to purchase water and sewer line repairs insurance for $10/month ($15/month after the first year). Checkbook’s research finds that few homeowners ever have to deal with expensive water or sewer line repairs or replacements. The offer states that if the exterior water service line to your property fails, this type of insurance company will pay your claims to repair the line.