Water And Sewer Line Insurance Do I Need This

For example virginia based dominion energy company provides water line replacement coverage from 5 to 6 per month and sewer line repair coverage for 6 per month.

Water and sewer line insurance do i need this. For sewer lines everything from the sewer main to the property is the homeowner s responsibility. Coverage limits are 10 000 per occurrence including sewer line repair refill and reseeding as well as. Trenches often seen in front yards usually are for sewer pipes not water supply pipes. Does my homeowner s insurance cover a line break.

For water lines everything leading up to your water meter is the responsibility of the utility but everything after the meter is the homeowner s responsibility. If you reside in an older home where the piping has never been replaced then it might make sense to purchase this insurance. The company s sewer line coverage provides up to 8 000 in repairs for a residential sewer line including 4 000 for sewer repair service line repair and another 4 000 for any sidewalk or road repairs that need to be completed. Coverage is very affordable with additional service line coverage costing just 20 annually.

Many sewer pipes are over a century old and are made of clay. The cost of sewer line insurance varies depending on the type of coverage you purchase. Water and sewer pipes usually have a life expectancy of about 50 years. Contract may contain loopholes.

Water line insurance only covers water supply lines not sewer lines. After you ve paid the deductible you ll be covered up to the policy limit. However bear in mind that insurance purchased from a utility company only covers the sewer line and won t pay to repair your home or replace personal. The small cost of service line insurance can really pay off if you ever need to repair or replace a damaged line.