Will My Homeowners Insurance Cover A Broken Sewer Line?

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   Mark Bartlett CLCS

   Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers

   Homeowners Insurance will not cover a broken pipe or sewer line unless the cause may have occurred due to freezing which would be a sudden event, not normal wear .However the spillage caused by a bursting pipe may be covered if their is damage to your dwelling. So in other words if a pipe just busts and there is no damage to the dwelling there is no coverage. If there is damage to the dwelling then the dwelling is covered but the pipe is still not covered.

   Answered on September 3, 2013

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