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.

Do i need sewer and drain coverage.

It may cost just 50 to add about 10 000 in sewage. After you ve paid the deductible you ll be covered up to the policy limit. Here s what you need to know. 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. I have been in the commercial insurance industry working as a risk management safety. Coverage limits are 10 000 per occurrence including sewer line repair refill and reseeding as well as.

A sewer or drain a sump sump pump or related equipment even if the overflow or discharge occurred because of mechanical issues. 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. Considering the high costs related to these types of repairs it s a smart choice to add this coverage to your policy. You will have to weigh the pros and cons and decide if sewer line protection is right for you.

The average cost of water backup and sewer coverage is 50 to 250 annually depending on your risk exposure and the limits you select. So it can be helpful to think of sewer damage backup coverage as a specific type of property insurance. Sewer drain backup. 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. Basic sewer line coverage with american water resources is priced at 9 per month. 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. The amount of coverage varies by state.

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. Do you need water sewer and power line insurance. Sewer and backup coverage is a must for most homeowners.