Many Kansas homeowners are surprised to learn that a standard home insurance policy usually does not cover damage to their sewer line. While your homeowners’ insurance protects your dwelling and specific structures on your property, underground lines like sewer and water pipes often fall outside of typical coverage. Knowing what your policy through DJ Kauffman Agency, serving Hutchinson, KS, includes—and where it falls short—can help you avoid unwelcome surprises.

Where Standard Coverage Stops

Home insurance typically covers sudden, accidental damage caused by events like fire, wind, or theft. However, problems with a sewer line are often due to wear and tear, age, or gradual ground shifting—issues that standard policies usually exclude. If your sewer line cracks because of old pipes or tree root invasion, you’ll likely have to pay for repairs out of pocket.

Some policies might help if a covered peril indirectly damages the line. For instance, if a fallen tree hits a part of your property and breaks the line on its way down, your insurance may step in. But normal deterioration is generally not covered.

Adding Extra Protection

To fill this gap, many insurance carriers offer an endorsement or rider that you can add to your policy for underground service lines. This relatively affordable add-on can help cover the cost of repairing or replacing your sewer line if it’s damaged by factors such as root growth or shifting soil.

Why Review Your Policy Now

A sewer line repair can be costly, sometimes running into the thousands of dollars. Checking your homeowners’ insurance and discussing service line coverage with your agent is a smart move. It’s one of the best ways to avoid major financial surprises and keep your property protected.

If you’re unsure about what your policy covers, a quick review with a Kansas insurance professional at DJ Kauffman Agency, serving Hutchinson, KS, can give you clear answers—and added peace of mind. Contact us today.