Septic System Insurance Policy

If your property s drainage system e g. In most policies the septic system is considered to be a separate structure from the home and the cost to repair it isn t included in the total repair replacement cost of the policy. State farm s service line endorsement policy only covers the wastewater line between the house and septic tank.

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You do not need specific type of septic tank insurance as most building insurance policy do cover septic tank problems or other damages to the off mains drainage system.

Septic system insurance policy. Let s look at a few reasons and things that may or may not be covered. Our blog contains handy articles about insuring a property with off mains drainage and what is covered by your buildings insurance. Most homeowners may not realise they are covered by their existing building insurance policy for off mains drainage such as. Insurance policies will usually provide cover for certain types of septic tank damage such as splits or fractures within the walls of the tank itself roots from nearby trees or shrubs growing through the walls of the tank or pipework which can often cause soak away problems and damage from vehicles above ground.

Your septic system is part of your home and property and therefore it is covered by your homeowners insurance. Common home policies do not provide coverage for pipes and tanks that are considered to be outside of the home. Septic system malfunctions can make for expensive accidents. Unfortunately your typical homeowner s insurance policy would not provide you with coverage for your septic system unless a covered loss such as fire also caused damage to the septic system.

Unfortunately there are limitations and reasons it would be covered by damage and many reasons it would not be covered. It excludes coverage for septic systems including motors pumps tanks leach fields and piping extending from the tank to the leach fields. Although homeowners with septic systems often need to pay out of pocket to repair the system itself that s not necessarily true if a septic system failure causes water. Septic tank soakaway cesspit sewage treatment plant is damaged most buildings insurance policies will cover the cost of a repair or replacement under a section of the policy called accidental damage to underground services.

Insurance policy cover for septic tanks we understand how complicated insurance can be especially when it comes to off mains drainage and septic tanks. If it s accidental damage then you re likely to be covered most insurance policies will cover you for accidental damage to underground services which includes your septic tank sewage treatment plant drainage field and all connecting pipes. Insurance policy cover for septic tanks. Septic tanks cesspits cesspools soakaways and package sewage treatment plants.

On the other hand a septic system failure causes a septic back up that floods the home is considered an entirely different scenario.