Water Pipe Coverage

A water service line is the pipe that brings fresh water into the house and does not include pipes that carry away wastewater.

Water pipe coverage.

A lot goes on behind the scenes to keep your home working and connected to the outside world. Any service needed to clean up the water dry out the home and. Clay pipes can last up to 50 or 60 years while pvc can. Water line insurance or exterior water service line coverage is not a true insurance policy but a financial contract between a consumer and a company.

The cost of sewer line insurance varies depending on the type of coverage you purchase. For example if your pipe burst because of an earthquake the water damage most likely won t be covered. Without the endorsement you would be stuck paying for the cost of cleanup or damages caused by a sump sump pump or similar equipment that s not considered a plumbing system or household appliance. Another example is if something that happened gradually like a broken pipe or a broken water tank or a washing machine breaks due to unexpected wear and tear.

If something goes wrong with those subterranean pipe systems the homeowner not the utility is responsible. If you were able to secure coverage for about 10 per month your cost for a year of coverage is 120 for a year or 1 200 for a decade. Water backup coverage is an optional endorsement that must be added onto a standard homeowners condo or renters insurance policy. If you want coverage for earthquake damage you ll need to buy a separate earthquake.

The actual pipe itself or washing machine will not be covered. There s no way to prevent a water service line emergency. As your home ages so does the exterior water service line that brings fresh water to your house. For example virginia based dominion energy company provides water line replacement coverage from 5 to 6 per month and sewer line repair coverage for 6 per month.

However the resulting damage from the sudden breakage may be. Broken pipe and water damage example. After a pipe bursts homeowners insurance covers damage occurring to the carpet or rugs the floor drywall paint and so on. Some utility companies offer water and sewer line coverage for a few dollars a month.