Should i get sewer line insurance

Most major home insurance companies offer sewer line coverage as an add-on to standard homeowners policies. You can also purchase a standalone policy from companies that provide various home repair services or basic pipe coverage from your municipal utility company. June 5, Elizabeth Rivelli. May 29, Michael Evans. May 29, Elizabeth Rivelli. May 22, Lauren Ward. Does home insurance cover sewer line replacement?

Do I need sewer line insurance? Elevate appliances and valuables in basements to prevent undue damage in the event of water or sewage backup. Ensure that basement sump pumps are in good working order by cleaning them annually and running them several times per year. Fit your sump pump with a battery backup to ensure it can continue to work during power outages.

Prevent water backups by installing a backwater prevention valve in your sewer line. The valve will ensure sewage flows out and prevents it from flowing into your home. Remove trees or shrubs whose roots might interfere with the waterline. If you own an older home, you may also consider replacing your sewer line with a plastic pipe to prevent root damage.

If a sewage or water backup occurs, act immediately to prevent further damage: Remove standing water with a wet vac.

If raw sewage backs up into your home, hire a sewage cleanup service. Mop up residual water and affected floors and walls with disinfectant and soap. Removed soiled or wet drapes, carpet and furniture. Remove debris from ductwork to prevent obstructed airflow. Clean affected ductwork with disinfectant and soap. How much does sewer line insurance cost?

What does a typical sewer line policy cover? Stash the cash in your emergency fund instead. If your house is older and most homes in your neighborhood were built around the same time, ask your neighbors if they have had to have their lines replaced. That's a very good indicator of whether a water line repair could be in your future. If several neighbors answer yes, consider purchasing a warranty. You might also strongly consider a warranty if you live in an old house, your water bill has been creeping up, and you don't have an emergency fund.

Waiting until you see a merry little stream bubbling out from your sidewalk will be too late. Note: We are currently in the process of replacing our commenting service, so it may take a few days for previous comments to appear.

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Please enable Javascript in your browser and try again. Now Reading:. Membership My Account. Rewards for Good. Share with facebook. Some insurers may offer home warranties that include sewer line damage.

Check out some of our favorite homeowners insurance policies below to see if they offer sewer line coverage as part of their available products. Lemonade uses technology to simplify the home insurance claims and sign up process.

You can buy a policy in just a few minutes by answering a few simple questions, and some claims can be paid instantly using its innovative AI technology. The app has high user ratings and keeps you connected with your policy. Lemonade may also donate a portion of your premiums to a charity of your choice each year through its Giveback program. Allstate is one of the best-known insurance companies in the business and for good reason. It offers a range of coverage options so you can tailor your coverage to your needs.

You can apply for a policy through a local agent or online. It also has a mobile app that you can use to pull up ID cards, take photos for a claim and pay your bills. Allstate is a good choice for those with multiple policies and who like personal service. Sewer line protection can be purchased as either a warranty product or as an add-on to your home insurance policy. Check with competitors, too.

If service line coverage is a priority for you, it may be worth considering a switch to an insurer that can provide the coverage you need. Warranties or protection plans are often offered without deductibles but can be more costly on a monthly basis. As always, read the fine print before making a commitment. Many plans have exclusions that may affect coverage for your home. There are several indicators that there is trouble with your sewer line.

Signs can include sewage backup, unpleasant smells, slow or stopped drains, mold and foundational cracks. An influx of pests can also be a big sign. The best route when you suspect you have a sewer line issue is to call a professional, such as a plumber, to assess. This all depends on the extent of the damage and the location of the sewer line. However, the general consensus is that a repair will take an average of 1 to 3 days. Some repairs could be a quick fix and only take an hour or so — others may drag on longer than a week.

Finding the right company for your situation means considering all of your options and getting the right advice. Policygenius makes it easy to get personalized quotes from top insurers and apply for your best policy all in one place. Their combination of online tools and support from unbiased, licensed experts makes Policygenius the best site to help you get insurance right. Looking for the best homeowners insurance?

Learn more about this type of coverage and compare quotes and plans from popular providers. Read More. Looking for the best home insurance with the best discounts? See actual quotes, short company reviews and use the quick custom quote option for the cheapest homeowners insurance. Learn more about how much homeowners insurance could cost you, based on your geographic location, house, and more.

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