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Does home insurance cover septic tanks?
My septic tank is leaking. I just discovered the issue and know I’ll have to have repairs done. Will home insurance cover my septic tank?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! I’m sorry to hear about your septic tank. Home insurance can cover septic tanks if the damage is caused by a
covered peril
on your policy. However, home insurance policies often exclude constant leaking or seepage of plumbing systems. It also excludes the damage it causes. For example, if your septic tank leaks because a tree root cracked the pipe or you used a chemical that corroded the system, you wouldn’t have coverage.
Since you know you’ll need to have repairs done, it’s best to call someone as soon as possible. Once you determine the cause of your septic tank’s leak, you can see whether you’ll have coverage under your home insurance.
In the future, you may also want to consider adding a water damage endorsement to your policy.
If you’re interested in adding coverage or exploring other options for home insurance, you need to use the
Jerry
app. Jerry gives you quick access to personalized car and home insurance quotes, making it easy to find great coverage at a lower rate. Jerry will even help you cancel your old policy.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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