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A back up of your sewer line can cause major headaches for a homeowner.  The primary cause is an old or failed service/sewer line from the house to the city-owned main pipe. Most homeowners do not realize the pipe from the house to the main line is the responsibility of the homeowner.  Failure is typically caused by tree roots growing into the line, or the pipe may decay and collapse, causing water to back up into the house. For homes with a basement this causes the lower toilet to overflow.

The average cost to replace a sewer line is just under $8,000. Most homeowner policies need to have this added to the policy as extended coverage (endorsed). Not all companies have the same coverage and there are limitations. Typical basic coverage provides repair to the inside of the house, but not to the outside sewer line.  It is important to know how all coverage’s work in the event of a loss.

Most home owners insurance does not provide these types of coverage’s. Northwest Insurance Services works with companies that provide extended coverage that includes back-up sewer as well as sewer line coverage. The extended coverage will pay for sewer line repairs and for damage to outdoor property caused by that repair. It also covers excavation costs, expediting expenses, loss of use/rent, and hotel costs in the event your home becomes uninhabitable until repairs are made.

To inquire more about home owners insurance that provides coverage for service line and utility give our agents a call. Auto and Home insurance quotes are available by clicking online quoting.

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