Do I Need Sewer And Drain Coverage

Most policies don t automatically cover sewage and drain backups which can cause expensive damage if water and sewage backs up into your house.

Do i need sewer and drain coverage.

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. For example think about what s in your basement it s an area that s more likely to flood during a water backup. In some states such as north carolina you choose an available coverage limit 5 000 10 000 15 000 or 25 000 and pay accordingly. Backed up sewers drains can wreak havoc on a home causing thousands of dollars in damage to floors walls furniture and electrical systems.

First it s important to consider how much coverage you ll need. Coverage is very affordable with additional service line coverage costing just 20 annually. Here s what you need to know. A sewer or drain a sump sump pump or related equipment even if the overflow or discharge occurred because of mechanical issues.

The amount of coverage varies by state. 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. Sewer drain backup. You want to make sure that the plan you get doesn t only cover the cost of the sewer system but also anything that was destroyed by the sewage.

You will have to weigh the pros and cons and decide if sewer line protection is right for you. Coverage limits are 10 000 per occurrence including sewer line repair refill and reseeding as well as. I have been in the commercial insurance industry working as a risk management safety. 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.

It may cost just 50 to add about 10 000 in sewage. Considering the high costs related to these types of repairs it s a smart choice to add this coverage to your policy. The average cost of water backup and sewer coverage is 50 to 250 annually depending on your risk exposure and the limits you select. Sewer and backup coverage is a must for most homeowners.

Different limits are available to match people s different needs. Basic sewer line coverage with american water resources is priced at 9 per month. Do you need water sewer and power line insurance.