Do I Need Sewer And Drain Coverage

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.

Do i need sewer and drain coverage.

Considering the high costs related to these types of repairs it s a smart choice to add this coverage to your policy. Coverage limits are 10 000 per occurrence including sewer line repair refill and reseeding as well as. Different limits are available to match people s different needs. For example think about what s in your basement it s an area that s more likely to flood during a water backup.

The amount of coverage varies by state. Backed up sewers drains can wreak havoc on a home causing thousands of dollars in damage to floors walls furniture and electrical systems. 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. Do you need water sewer and power line insurance.

Coverage is very affordable with additional service line coverage costing just 20 annually. 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. 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. First it s important to consider how much coverage you ll need.

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. A sewer or drain a sump sump pump or related equipment even if the overflow or discharge occurred because of mechanical issues. 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.

So it can be helpful to think of sewer damage backup coverage as a specific type of property insurance. Basic sewer line coverage with american water resources is priced at 9 per month. You will have to weigh the pros and cons and decide if sewer line protection is right for you. 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.

Most policies don t automatically cover sewage and drain backups which can cause expensive damage if water and sewage backs up into your house. Here s what you need to know. Sewer drain backup.