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Does Home Insurance Cover Septic Systems?

Is there insurance for septic systems?

While home insurance policies do cover damage caused by septic systems, certain types of damages a home insurance policy may not cover.

Your home and its contents are likely your most extensive and most valuable assets. Protecting your home and giving you peace of mind is why purchasing home insurance makes so much sense. However, even a comprehensive policy won’t protect you from all possible eventualities. To ensure your property is fully protected, you’ll need to enhance your base policy with additional coverage. One of the most important to consider is sewer backup insurance.

sceptic tank insurance

What You Should Know About Insurance for Septic Systems

Septic System Coverage

Septic system coverage applies to losses resulting from the backup or leak of a sewer, drain line, sump pump, septic tank, downspout, or eavestrough. Sewer backup insurance is relatively inexpensive, but it can be invaluable in the event of loss due to sewage and water damage. For helpful tips on preventing water damage at home, click here. You can also learn more about the different types of water damage here.

Leaking or otherwise damaged septic systems present many dangers and hazards, which is why it is essential to understand how to prevent damages and the dangers involved in them. Some hazards of septic system damage include contaminated water, lack of oxygen, water damage, flooding, and more. It’s crucial to ensure that your home insurance covers septic damage to reduce these risks.

Why is it Necessary to Have Insurance for Septic Systems?

A common cause of sewer backups is pipe damage or blockages created by tree roots. In a search for moisture, the roots of shrubs and trees can burrow into the underground pipe that connects your home to the municipal sewer main. Tree roots can cause cracks, leaks, and blockages. It’s important to note that since this sewer line’s maintenance and repair is the homeowner’s responsibility, the municipality will not cover the backup damage coverage.

Alternatively, a blockage in the sanitary sewer main could cause sewage to flow back into your home. The disposal of grease and cooking oils, paper towels, disposable diapers, and feminine hygiene products down a drain can also create blockages that lead to a backup. Having insurance protects you from the financial burdens associated with septic issues, including cleaning costs, wall replacement, flooring replacement, and more.


Avoid Hazardous and Expensive Sewer Line Damage

Damage caused by a backed-up sewer, drain line, or septic tank is extensive and may be hazardous if there is contaminated water. This type of damage also tends to be hard to clean and expensive to repair. In addition to removing the water, all affected surfaces require disinfection or replacement. This water damage can include floors, walls, carpets, drapes, and plumbing fixtures.

Since sewer backup insurance also applies to damage resulting from the overflow of a sump pump, downspout, or eavestrough, we recommend additional coverage for homeowners who live in an area with a low water table, frequent heavy rainfall, or substantial snowmelt in the spring.


What Does Insurance for Septic Systems Cover?

Sewer backup insurance covers damages and the costs associated with cleaning and overflows. 

Sewer system damage in a home typically requires a deep professional cleaning using specialized equipment to remove the contamination. To prevent a sewer backup, be sure to replace damaged pipes, dispose of grease and paper products properly, and install a backwater prevention valve.

Speak to MBS Insurance About Your Edmonton Policy Today

At MBS Insurance, our knowledgeable and experienced professionals can help you identify the home insurance policy that best suits your specific needs. We can walk you through understanding how insurance for septic systems work and can help you get additional coverage to enhance your policy, including sewer backup, overland water, and guaranteed replacement cost coverage. To request a free quote for your Edmonton home or review your current policy, contact us today.

With over 40 years in the industry, We can help you identify the best type of policy to protect you and your home.