When your sewer line backs up and causes damage to your home, you want to be sure your insurance will cover the damage, as well as the repair or replacement of the sewer line. Homeowner’s Insurance alone does not usually cover this type of damage, even if the sewer line was properly maintained. A separate policy or add-on is needed to specifically cover the sewer line on your property. Unfortunately, normal wear and tear would still be excluded. Sewer line replacement can include the costs associated with cleanup after the sewer line is repaired or replaced. This is important because a backed up system can create a huge expense in repairing damage to flooring, walls, furniture, carpeting, and could affect your health. If your sewer line connects to the city’s line, only the portion that is proven to be on your property will be covered. Don’t wait until you have a sewer problem to check your coverage, be sure you are protected.