1. 1265 POINTS
    Drew Delaney, J.D., CLCSPRO
    Commercial Lines Producer, Secure Investors Group, INC, Troy, Michigan
    Sometimes.  It really depends upon the terms of your insurance contract.

    If a covered peril occurs (e.g. explosion) and it damages your septic system or a pipe leading into your home from the sewer that could be covered.  In this instance you will have to peruse your policy for a specific exclusion to septic/sewer damage to see if your claim will be denied.

    If your septic system just stops working, however, there is no coverage for this.  Normal wear and tear or just age is not a covered peril.  That could be a warranty claim against the manufacturer. 

    I hope this helps.
    Answered on June 28, 2013
  2. 37396 POINTS
    David G. Pipes, CLU®, RICP®PRO
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A septic system in underground and generally not affected by the perils that a homeowner’s policy covers.  They don’t generally burn, get struck with lightning or blow away in a windstorm.  The coverage available in a homeowner’s policy specifically excludes water that backs up into a house which is about as close as you can get to a septic system.  The policy never covers normal wear and tear.  It is possible that under some unusual conditions a septic system would be covered, but it would be rare.
    Answered on March 17, 2014
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