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What's covered

  • Locating the blockage or collapse
  • Excavation to expose pipe
  • Pipe replacement or repair
  • Repair or replacement of seals and joints
  • Unblocking
  • Fitting external valves
  • Fusing
  • Welding
  • Pipe cutting
  • Backfilling of areas disturbed by repairs

Replacement of a sewer/septic line can cost thousands of dollars.*

If your sewer/septic line fails, it can cause: clogged/backed up drains inside your home, sewage flooding in your basement or sewage backed up in your yard.

As a sewer/septic line ages, it becomes even more likely to leak, clog or break. Be ready for the unexpected with a repair plan from HomeServe and keep what’s underground covered with access to our 24/7 hotline where you can schedule a repair for your exterior sewer/septic line.

*National average repair costs as of January 2016.

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Sewer/Septic Line Insurance Coverage

$7.99/mo.

30 Day Money Back Guarantee

Why choose this plan:

  • $6,000 annual benefit amount
  • 2 service calls ($3,000 per call)
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs

Overview

The buried sewer/septic line on your property that carries wastewater away from your home can age, crack or leak due to simple wear and tear. This line can also get blocked and cause wastewater to backup into your home. Help get protection from time consuming and expensive repair costs with Sewer/Septic Line Insurance Coverage.

When the buried sewer/septic line on your property cracks or leaks you can expect to experience clogged drains throughout the home, gurgling sounds from drains, backed up floor drains and possibly more. Help get protection from inconvenient and costly repairs with a home service repair plan from Home Emergency Insurance Solutions.

Important coverage information

Eligible

  • Residential homeowner with sole responsibility for the exterior sewer/septic service line
Additional limitations apply. See more. See less

Not Eligible

  • Recreational vehicles and properties used for commercial purposes
  • Mobile, manufactured and multi-unit dwellings: may be eligible so please see Eligibility section below for details
Additional limitations apply. See more. See less

Exclusions

  • Thawing of temporarily frozen pipes; pre-existing conditions; sump pump, vacuum drainage systems, septic systems (including leaching fields); water softener and waste disposal units; repair and/or replacement costs of: water tanks, water heaters, radiators, bathroom fittings (e.g. toilet bowls and baths) and sinks; breakdown to property having remained unoccupied for more than 30 days; breakdown caused by freezing if the home was unoccupied or the heating was not in operation at the time of the emergency breakdown; cost associated with reinstatement of hard or soft landscaping; accidents and damage or negligence caused by you or others. Additional exclusions apply.
Additional limitations apply. See more. See less
Eligibility: A residential homeowner with sole responsibility for the exterior sewer/septic service line may be eligible for coverage. Mobile homes, recreational vehicles, multi-unit dwellings and properties used for commercial purposes are not eligible for coverage. If you live in a development community with a condominium, co-op or homeowners association, your exterior sewer/septic service line may not be an individual homeowner's responsibility, so please check with your association before accepting this coverage.
Benefit Details: Coverage provides, up to the benefit amount, for the covered cost to repair or replace either the external sewer drains, from the point at which they cross the outer vertical wall of your home to the point of connection with the public sewer on your property, or the septic lines, for the external sewer drains from the point at which they cross the outer vertical wall of your home to the point of connection with your septic system on your property, that is damaged due to normal wear and tear, not accident or negligence.
Not covered: Thawing of temporarily frozen pipes; pre-existing conditions; sump pump, vacuum drainage systems, septic systems (including leaching fields); water softener and waste disposal units; repair and/or replacement costs of: water tanks, water heaters, radiators, bathroom fittings (e.g. toilet bowls and baths) and sinks; breakdown to property having remained unoccupied for more than 30 days; breakdown caused by freezing if the home was unoccupied or the heating was not in operation at the time of the emergency breakdown; cost associated with reinstatement of hard or soft landscaping; accidents and damage or negligence caused by you or others. Additional exclusions apply.
Making a Service Call: Your policy starts the day your order is processed, and there is an initial 30-day waiting period before you can make a service call, giving you 11 months of coverage during the first year. This prevents service calls on pre-existing conditions and helps keep the coverage affordable.
Cancellation: You may cancel within 30 days of your start date for a full refund (or less any claims paid if cancelled at any time after renewal/reactivation, where applicable). Cancellations after the first 30 days will be effective at the end of the then-current billing month, and you will be entitled to a pro-rata refund less any claims paid (where applicable). You may also contact Home Emergency Insurance Solutions to cancel if you find your utility or municipality provides similar coverage to you at no charge, and you will receive a refund less any claims paid (where applicable).
Renewal: Your coverage is based on an annual contract. Regardless of the payment frequency you select, your policy will be automatically renewed annually on the same payment terms selected, at the then-current renewal price.

Frequently asked questions

What should I know about this coverage?
What's covered: Coverage provides, up to the benefit amount, for the covered cost to repair or replace either the external sewer drains, from the point at which they cross the outer vertical wall of your home to the point of connection with the public sewer on your property, or the septic lines, for the external sewer drains from the point at which they cross the outer vertical wall of your home to the point of connection with your septic system on your property, that is damaged due to normal wear and tear, not accident or negligence. Not covered: Thawing of temporarily frozen pipes; pre-existing conditions; sump pump, vacuum drainage systems, septic systems (including leaching fields); water softener and waste disposal units; repair and/or replacement costs of: water tanks, water heaters, radiators, bathroom fittings (e.g. toilet bowls and baths) and sinks; breakdown to property having remained unoccupied for more than 30 days; breakdown caused by freezing if the home was unoccupied or the heating was not in operation at the time of the emergency breakdown; cost associated with reinstatement of hard or soft landscaping; accidents and damage or negligence caused by you or others. Additional exclusions apply.

Home Emergency Insurance Solutions, Washington License #749336, with corporate offices located at 601 Merritt 7, 6th Floor, Norwalk, CT 06851, is an independent company separate from Washington Water Service Company and offers and administers this optional insurance as an authorized representative of Wesco Insurance Company, 59 Maiden Lane, 43rd Floor, New York, NY 10038, the insurance policy underwriter. All services are performed by a licensed and insured independent contractor. Your choice of whether to participate in this policy will not affect the price, availability or terms of service from Washington Water.

Sewer/Septic Line Insurance Coverage for only $7.99/mo.

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