Water Pipe Coverage

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.

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. However the resulting damage from the sudden breakage may be. Any service needed to clean up the water dry out the home and. Broken pipe and water damage example.

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. If you want coverage for earthquake damage you ll need to buy a separate earthquake. And while you might not think about your home s underground utility lines like water lines sewer pipes and power lines they play a major role in your day to day life. After a pipe bursts homeowners insurance covers damage occurring to the carpet or rugs the floor drywall paint and so on.

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. The actual pipe itself or washing machine will not be covered. There s no way to prevent a water service line emergency. Water backup coverage is an optional endorsement that must be added onto a standard homeowners condo or renters insurance policy.

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. The cost of sewer line insurance varies depending on the type of coverage you purchase. If something goes wrong with those subterranean pipe systems the homeowner not the utility is responsible. Its service plans are on average 5 per month for water service line coverage and.

If this line breaks or leaks due to ground shifting pipe aging corrosion or extreme temperatures you could be faced with an expensive repair bill. A lot goes on behind the scenes to keep your home working and connected to the outside world. Clay pipes can last up to 50 or 60 years while pvc can. For example if your pipe burst because of an earthquake the water damage most likely won t be covered.