Do I Need Sewer And Drain Coverage

Coverage is very affordable with additional service line coverage costing just 20 annually.

Do i need sewer and drain coverage.

Every homeowner has a potential risk of having to replace sewer lines and the cost to replace these lines and cover any damage caused by water backup can be very expensive. I have been in the commercial insurance industry working as a risk management safety. It may cost just 50 to add about 10 000 in sewage. You will have to weigh the pros and cons and decide if sewer line protection is right for you.

Here s what you need to know. Considering the high costs related to these types of repairs it s a smart choice to add this coverage to your policy. Basic sewer line coverage with american water resources is priced at 9 per month. First it s important to consider how much coverage you ll need.

The average cost of water backup and sewer coverage is 50 to 250 annually depending on your risk exposure and the limits you select. Insurance coverage for sewer related problems has to be purchased either as a separate policy or as a special addition to your homeowner s policy. Sewer drain backup. The amount of coverage varies by state.

Sewer and backup coverage is a must for most homeowners. Most policies don t automatically cover sewage and drain backups which can cause expensive damage if water and sewage backs up into your house. A sewer or drain a sump sump pump or related equipment even if the overflow or discharge occurred because of mechanical issues. Do you need water sewer and power line insurance.

A standard water or sewer backup coverage endorsement reimburses you for water damage to the structure of your home or personal property if it s discharged or overflows from the following. After you ve paid the deductible you ll be covered up to the policy limit. For example think about what s in your basement it s an area that s more likely to flood during a water backup. Different limits are available to match people s different needs.

So it can be helpful to think of sewer damage backup coverage as a specific type of property insurance. For homes that have been severely damaged and are uninhabitable homeowners policies may provide loss of use coverage which provides reimbursement for lodging food and other living expenses you may incur as a result of having to live outside of your home. Coverage limits are 10 000 per occurrence including sewer line repair refill and reseeding as well as.