Septic System Insurance

For example if your home is insured for 500 000 other structures like your shed fence and septic tank may only be covered up to 50 000.

Septic system insurance. 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. Please remember this is a guide and you definitely should consult your insurance company for. Because the internal septic system consists of piping septic tanks per se are not considered part of your home s structure like the roof or flooring. Not covered by homeowners insurance.

Most homeowner insurance policies do not. Septic tanks are typically 1 000 2 000 gallon concrete boxes. It can be very confusing what you are actually covered for in the policy. If a heavy enough truck drives over the top of a septic tank it could cave in the holding tank.

Unfortunately there are limitations and reasons it would be covered by damage and many reasons it would not be covered. The area of cover in building insurance policy is normally under accidental damage to underground services. If it doesn t specify that exactly find the accidental damage section of the buildings policy not to be confused. Most damage to the septic system itself external damage consists of parking or driving a heavy piece of equipment over the septic tank itself explains garrett lang cmo of a1 porta potty.

Your septic system is part of your home and property and therefore it is covered by your homeowners insurance. Let s look at a few reasons and things that may or may not be covered. 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. Even if the damage is covered by your insurance many standard home insurance policies limit coverage to 10 of what your full home is insured for.