What Is Septic Tank Coverage? (Solved)

Your septic tank is considered a part of your home, which means it is covered by your homeowners policy in cases of sudden damage. However, any damage that’s caused by neglect or a lack of maintenance will not be covered.


  • Your septic tank is considered a part of your home, which means it is covered by your homeowners policy in cases of sudden damage. However, any damage that’s caused by neglect or a lack of maintenance will not be covered. Here, we explain the factors that determine whether your septic tank is or isn’t covered by your homeowners insurance.

Does homeowners insurance cover septic tank collapse?

Yes, your septic tank is considered part of your home and would be covered by the dwelling coverage portion of your home insurance in the event that it is suddenly damaged.

How do I find the cover to my septic tank?

You can locate the lid of your septic tank by poking the ground every few feet with a metal probe. Lids can be buried up to a foot deep on average, so be sure to investigate any bumps that may indicate something is buried underneath.

How big is a typical septic tank cover?

Dig Up The Lids Depending on your septic tank setup, your system may include two or three lids. Septic tanks are typically rectangular in shape and measure approximately 5 feet by 8 feet. In most cases, septic tank components including the lid, are buried between 4 inches and 4 feet underground.

Are septic tanks insured?

Most insurance policies will cover you for accidental damage to underground services, which includes your septic tank, sewage treatment plant, drainage field and all connecting pipes.

How do I know if my septic tank is failing?

8 Signs of Septic System Failure

  1. Septic System Backup.
  2. Slow Drains.
  3. Gurgling Sounds.
  4. Pool of Water or Dampness Near Drainfield.
  5. Nasty Odors.
  6. Unusual, Bright Green Grass Above Drainfield.
  7. Blooms of Algae in Nearby Water.
  8. High Levels of Coliform in Water Well.

How long do septic tanks last?

A septic system’s lifespan should be anywhere from 15 to 40 years. How long the system lasts depends on a number of factors, including construction material, soil acidity, water table, maintenance practices, and several others.

Do all septic tanks have lids?

Find the Lid. If your septic tank was installed after 1975, it will probably have two polyethylene or fiberglass lids centered at opposite sides of the perimeter. Older tanks will typically have a 24-inch concrete lid right in the center of the tank. Excavate in those locations to reveal the lids.

Can a septic tank never be pumped?

What Are the Consequences of Not Pumping Your Tank? If the tank is not pumped, the solids will build up in the tank and the holding capacity of the tank will be diminished. Eventually, the solids will reach the pipe that feeds into the drain field, causing a clog. Waste water backing up into the house.

How do I know my septic tank is full?

Here are some of the most common warning signs that you have a full septic tank:

  1. Your Drains Are Taking Forever.
  2. Standing Water Over Your Septic Tank.
  3. Bad Smells Coming From Your Yard.
  4. You Hear Gurgling Water.
  5. You Have A Sewage Backup.
  6. How often should you empty your septic tank?

How big of a septic tank do I need for a 3 bedroom house?

The correct size of the septic tank depends mostly on the square footage of the house and the number of people living there. Most residential septic tanks range in size from 750 gallons to 1,250 gallons. An average 3-bedroom home, less than 2500 square feet will probably require a 1000 gallon tank.

How often should septic tanks be pumped?

Inspect and Pump Frequently The average household septic system should be inspected at least every three years by a septic service professional. Household septic tanks are typically pumped every three to five years.

How often does a 1000 gallon septic tank need to be pumped?

For example, a 1,000 gallon septic tank, which is used by two people, should be pumped every 5.9 years. If there are eight people using a 1,000-gallon septic tank, it should be pumped every year.

Can you sell a house with an illegal septic tank?

If you currently have a septic tank that discharges to surface water then the sale will trigger the requirement to replace or upgrade the system. Buyers should satisfy themselves that any system is in good working order and does not cause pollution.

Can you sell a house with a non compliant septic tank?

If you are selling the property, it is your responsibility to install a sewage treatment system compliant with the general binding rules. Being non-compliant will not only detract potential buyers but you may also be subject to enforcement action by the Environment Agency.

How long do septic tanks last UK?

A steel septic tank can be susceptible to rusting and has a life expectancy of around 15 to 20 years. Plastic tanks last longer – around 30 years or so – and concrete tanks, which are the sturdiest, can last for 40 years or more.

Septic Warranty Coverage and Costs (2022)

An extended house warranty can safeguard your septic system in the event of an unexpected failure. To learn more about our best septic warranty coverage suggestions, continue reading. iStock Septic warranties can give peace of mind and protection for your septic system and its components in the event that they fail due to regular wear and use, as well as for your family. Read on to learn more about the finest septic warranty coverage available by reading our review.

Septic System Warranty Coverage

If you are experiencing problems with your septic system, a home warranty may be able to assist you in covering the costs. Issues relating to components and parts that fail as a result of regular wear and use, as well as electrical and mechanical failures, will be covered by septic warranties. A variety of septic protection plans will be offered by different home warranty organizations. For example, Choice Home Warranty will cover the cost of septic tank pumping in the event of a main line stoppage or obstruction.

  1. Septic tank
  2. Sewer pipes
  3. Sewage ejector pump
  4. Jet pump
  5. Aerobic pump

Is a Septic Warranty Necessary?

Your septic system should last between 15 and 20 years with regular care and maintenance, with exceptionally well-maintained systems lasting as long as 40 years. However, this does not rule out the possibility of your septic tank experiencing a breakdown or malfunction from time to time. The failure of the septic pump or another component of the system may necessitate the need for expert servicing, as well as the need for a septic system repair or replacement, depending on the situation. While a septic warranty can provide coverage for your system, it may only be valid for a limited period of time and will only cover your sewage system in certain circumstances.

Property warranties will cover the cost of costly septic system repairs and replacements, as well as the cost of dispatching a reputable professional to your home to conduct the essential repairs in a timely fashion.

How Much Does Septic Coverage Cost?

On average, a home warranty costs between $25 and $50 each month, with service call fees ranging between $75 and 125 dollars. The cost of septic system add-ons will vary across home warranty providers, so it is recommended that you obtain estimates from a few firms in order to select coverage that is within your budget.

How to Find the Best Septic Warranty

The following things should be taken into consideration while searching for the greatest septic system coverage:

  • Making a decision on the proper sort of plan —Most home warranty providers will offer a number of options from which to pick. A systems plan, an appliances plan, and a combination plan are all examples of common home warranty policies. System coverage or a combination of coverage choices are the best alternatives for protecting your septic system. By selecting one of these coverage options, you can be assured that your septic system will be protected. Septic warranty coverage is often offered as an add-on by home warranty organizations. Compare prices. Before making a final selection, compare the add-on prices offered by at least three different companies. Make sure there are no coverage exclusions – For example, most home warranty companies do not cover drain field pipe repair, routine maintenance pumping, or disposal of septic tank waste.

Best Septic Warranty Providers

The following are three of the top home warranty companies that provide coverage for septic systems.

Best Septic Home Warranty Companies

Provider Choice Home Warranty Select Home Warranty First American Home Warranty
Provider Choice Home Warranty Select Home Warranty First American Home Warranty
Get a free quote Visit site Visit site Visit site
Monthly premiums $36–$44 $36–$38 $28–$43
Deductible $60–$85 $75 $75
Additional benefits Get your first month free when you sign up today Get two extra months of coverage for free Has a risk-free, 30-day, money-back guarantee

Read our in-depth evaluations of the following firms to discover more about them:

  • Choice Home Warranty Review, Select Home Warranty Review, and First American Home Warranty Review are all examples of home warranty reviews.

Our Conclusion

If you have a septic system, you should consider purchasing a house warranty that includes septic coverage. Not only will this safeguard your system in the event of a breakdown, but it will also assist you in getting the required repairs or replacements completed as quickly as possible.

Septic warranty coverage is offered by any of the home warranty providers mentioned above. We recommend that you obtain estimates from all three service providers so that you can compare prices and choose the plan that best suits your needs and budget.

Frequently Asked Questions about Septic Warranties

Septic system problems can manifest itself in a variety of ways, including slow-draining sinks and sewage backing up in the toilet or tub. To make a claim, contact the business that provides your home warranty. Upon submitting your claim, they should send a contractor to diagnose the problem within 48 hours of receiving it.

In addition to a septic system, what else does a home warranty cover?

A house warranty covers important systems and equipment such as your air conditioning system, refrigerator, electrical system, and plumbing system, among other things. The difference between a house warranty and homeowner’s insurance is that a home warranty covers goods that break down due to regular wear and tear, while homeowner’s insurance covers damage to your home caused by natural disasters, fire, or theft.

How can I protect my septic system?

Proper maintenance of your system is one of the most efficient strategies to avoid costly damage to your system in the first place. Maintain your pump on a regular basis, at least once every three years, and adopt water-saving behaviors, as well as properly disposing of garbage. Send an email to our Reviews Team [email protected] if you have any comments or questions regarding this post.

Does Homeowners Insurance Cover Septic Tanks?

If you have a septic tank in your house, you are most likely eager to prevent having any problems with it in the future. Not only are plumbing problems annoying, but septic systems can also be quite expensive to fix if they are not maintained properly. The good news is that if you have a problem with your septic tank that you could not have anticipated, your homeowner’s insurance may be able to pay the costs. Repairs or the cost of replacing your septic system may or may not be covered by your insurance policy, depending on the conditions that led to the damage and the amount of coverage available under your policy for this component of coverage.

When part of a home insurance would cover septic tank damage?

Septic tanks are technically covered by your homes insurance policy under the other constructions coverage section of the policy. This is the section of your insurance policy that covers things on your property that are not attached to your home, such as a gazebo, shed, detached garage, fence, in-ground swimming pool, and, in many cases, your septic tank. It also covers things like a gazebo, shed, detached garage, fence, and in-ground swimming pool. Typically, house insurance plans provide coverage for other structures equal to 10 percent of the value of your primary residence.

In the event that your septic tank is destroyed by one of the perils specified in your policy, your other buildings coverage will pay for repairs or a complete replacement.

You can better understand which conditions might apply if your septic system is damaged or destroyed by reviewing your insurance coverage.

Review our guide to insurance dangers for assistance in determining exactly where you are covered. You should also be aware that claiming coverage for additional structures under your home insurance policy will result in you having to pay your deductible.

What damage to your septic tank is generally covered?

While there are many various types of house insurance policies, most will cover septic tank damage, up to the policy limits, if it is caused by one of the following:

  • Fire: If a fire causes any damage to your septic system, it is possible that the costs of repairs will be covered by your insurance coverage. If someone purposefully destroys your septic system as a result of vandalism or if your septic system is destroyed as a result of civil disturbance, it may be covered by your insurance coverage, depending on the circumstances. Hail, windstorms, and lightning: Septic tank damage arising from any of these storm types is likely to be covered under your insurance policy. Explosions: The majority of homes insurance plans include coverage for damage caused by explosions. Your insurance would kick in to pay the cost of repairs if this had an impact on your septic tank or pipes, for example.

What damage to your septic tank is not generally covered?

It is possible that you have observed from the preceding list that homeowners insurance is most likely to cover septic tank damage that occurs as a consequence of a sudden and unexpected catastrophe. Your home insurance policy may or may not provide coverage for damage caused by septic system problems caused by normal wear and tear or a lack of routine maintenance. In other words, if you allow a neighboring tree to grow roots into your septic tank or habitually flush nonbiodegradable objects into your septic tank, you may be unable to receive a home insurance claim for the repairs to the areas that have been harmed.

See also:  What Are The Dimensions Of A 900 Gallon Septic Tank? (Perfect answer)

If you live in a location where floods and earthquakes are prevalent, one option to ensure your financial security is to get a separate flood and earthquake insurance policy.

What coverage options are available for septic tanks?

In order to further limit the likelihood of unexpected expenditures associated with your septic system, inquire with your insurance about the following extra coverages:

Service line coverage

When it comes to service lines that connect to and exit from your property, including the pipe that feeds your septic tank, you are solely liable as the homeowner. You may add a service line coverage endorsement to your home insurance policy for a minimum additional fee to your policy, depending on the insurance company you choose. These pipes, as well as your other water and sewage pipelines, as well as your electricity lines, internet cables, and natural gas lines are all covered by this insurance policy endorsement.

It can cover things like wear and tear damage, corrosion, and damage caused by tree roots, among other things.

Water backup coverage

A septic backup may be a nasty surprise in your house or on your land, and it’s best to avoid it. Unfortunately, house insurance endorsements are one method of protecting yourself financially in the event of a disaster such as this. Water backup coverage, often known as “sump pump coverage,” is a homeowners insurance endorsement (i.e., optional policy add-on) that pays for repair or restoration costs if water backs up into your house due to a malfunctioning sump pump or other source.

How to take care of your septic tank

Despite the fact that water backup and service line endorsements might help you avoid some of the expenditures involved with septic tank repairs, it is your obligation to ensure that your tank continues to function at its peak performance. This implies that you should avoid flushing or dumping the following objects down the toilet or down the sink:

  • Oils
  • Solids such as cigarette butts, paper towels, coffee grinds, and feminine hygiene items are examples of solid waste. Grease/fat
  • Stains/paints
  • Chemicals used in the home

Making certain that no cars drive over the septic system or its drainfield is also a smart practice. Keep a watch out for surrounding trees whose roots may reach into the septic lines, and check to see if the tank is receiving adequate drainage.

The Environmental Protection Agency (EPA) recommended that you get your septic tank examined every few years and drained every three to five years. It also implies that utilizing water effectively reduces the load on your septic tank, allowing it to operate at its best for a longer period of time.


Your septic tank is covered under your homes insurance policy against the same hazards that apply to the rest of your property. From there, regular maintenance can save you money by avoiding the need to repair or replace the system altogether. It is possible that your septic company or a private home warranty business will give a warranty for servicing or maintenance, which would serve as an extra kind of financial security.

How much does a new septic system cost?

The cost of a septic system can vary greatly depending on the kind; typically, it is in the thousands of dollars. Some estimates place the cost of a three- or four-bedroom home between $3,000 and $9,000, while modern technology can run closer to $12,000 to $8,000 per square foot. This figure might be increased even higher if the installation charges are included.

Does homeowners insurance cover damage to your septic tank?

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  • It is not covered by homes insurance if damage to your septic tank occurs due to a lack of maintenance or normal wear and tear. However, damage to your house as the result of a septic backup may be covered, but not damage to your tank
  • Consider adding a service line rider to your homeowners insurance policy to ensure that your septic tank is adequately protected. See Insider’s guide to the top homeowners insurance providers for more information.

Septic systems, according to the Environmental Protection Agency, are “underground wastewater treatment facilities, which are often employed in rural regions lacking centralized sewage systems.” Damage to your home and personal property is covered by homeowner’s insurance, which is referred to as insurance perils in the insurance industry. Septic tanks are covered by homeowners insurance, with certain exclusions, and coverage varies from provider to provider. As a result, it is critical that you speak with your insurance provider regarding septic insurance coverage.

Does homeowners insurance cover damage to your septic tank?

In order to be covered, any damage to your house must be caused by aperil, unless you have acquired an add-on rider. Fire, lightning, theft, ice, snow, sleet, smoke, vandalism, and freezing are all examples of insurance risks that might occur. In the eyes of some homeowners insurance providers, septic tanks are considered “other buildings” that are covered by the dwelling policy. When it comes to ordinary insurance policies, septic tank coverage is quite restricted. According to American Family Insurance, damage to the septic tank itself is not covered, but the insurance company will cover your property if the damage was caused by a faulty septic system or an overflow into your home.

If you have a septic tank problem, you should check with your homes insurance carrier to see how they handle such situations.

It may differ from one insurance company to the next. Additionally, coverage for septic tanks is available as an add-on rider to your policy at an extra fee. Look into whether or not your homes insurance policy includes supplemental coverage for septic tanks and service lines.

When damage to your septic tank isn’t covered

When damage occurs as a result of improper maintenance or normal wear and tear, you will not be covered. Septic tanks are most commonly damaged by human mistake, such as flushing grease or oils down the toilet, driving over the tank, or tree roots growing around the pipes. Make sure you do regular maintenance and upkeep to minimize septic tank difficulties, as homeowners insurance does not cover damage caused by a lack of upkeep or proper maintenance. In most cases, damage to your septic tank is not covered by homeowners insurance.

These will necessitate the purchase of additional coverage in the form of a rider policy or separate insurance.

A home warranty is an option for repair and maintenance costs

Even if your septic tank has not been damaged as a result of an insurance hazard, a home warranty contract may be an option to help you save money on maintenance and repair. Home warranties are service contracts that cover the repair or replacement of components such as your HVAC system, air conditioner, and water heater. A house warranty can range in price from $350 to $700 each year. If you have recently purchased a house, it is possible that your realtor may have suggestions for reputable firms in your neighborhood to consider.

  1. American Home Shield, Landmark Home Warranty, and Choice Home Warranty are all brands of home warranty.

Ronda Lee was once an associate editor for insurance at Personal Finance Insider, where she wrote about consumer insurance issues such as life, car, homeowners, and renters insurance. Prior to joining Business Insider, she worked as a contributing writer for HuffPost, where she wrote on politics, education, style, black voices, and entrepreneurship, among other topics. She also worked as a freelance writer for the website PolicyGenius. Previously, she worked as an attorney, specializing in insurance defense and business disputes.

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We are completely separate from our advertising sales staff.

Septic warranties: what they cover and how much they cost

Home»Picks»Guides»Finance» Septic warranties: what they cover and how much they cost are covered in this article. Content from our partners: It was authored and researched independently of the MarketWatch newsroom by a business partner of Dow Jones, and it was published on the company’s website. It is possible that we will receive a commission if you click on one of the links in this article. Read on to find out more When things are going smoothly, septic systems aren’t given much care, but when anything goes wrong, it’s critical to have them repaired as soon as possible to keep your peace of mind.

For a limited time period, most septic systems are guaranteed by a manufacturer’s warranty, which covers things like manufacturing faults in the device.

The manufacturer will repair or replace your tank if it fails during the first year of installation as long as the tank was fitted correctly.

House warranty plans can help you extend the life of your septic system by sending a professional to your home after an unexpected breakdown or malfunction, but they are not always worth the money spent on them. A septic system should have a lifespan of 15–20 years if it is properly maintained.

Septic system coverage with home warranties

Septic coverage is often available as an extra add-on with most home warranty programs. You may add septic system coverage to your home warranty for a few dollars more each month after you’ve purchased your home warranty. A house warranty may cover more than just your septic system; it can also cover your home’s most vital appliances and systems, which can save you money over time.

What’s included with a home warranty’s septic system coverage?

As an example of what is covered by a septic system add-on, we selected sample contracts from three different house warranty companies — American Home Shield, Choice Home Warranty, andSelect Home Warranty— in order to compare and contrast the coverage offered by each. We’ll go through the specifics of each company’s coverage in more detail below: American Home Shield Insurance Company The following are the specifics of American Home Shield’s coverage for septic pumps: Structural blockages in a mainline that can be addressed using an existing access or clean out without the need for excavation Once during the contract coverage period will be performed in the event that the cause of the halt is a backup of septic waste.

Sewage ejector pump for use exclusively with a septic system Home Warranty of Your Choice The following items are covered under septic coverage provided by Choice Home Warranty: Pump for sewage ejection Pump with a jet stream Pumping up the heart rate with aerobics Septic tank and line leading to the home Choose Home Warranty from the drop-down menu.

Septic warranty cost

The fact that septic system coverage is typically only offered as an add-on with a house warranty means that you’ll need to obtain home warranty coverage first. Property warranties typically cost between $30 and $60 a month on average, depending on the type of coverage you choose, your region, the provider you choose, and the size of your home. In accordance with sample quotations received by our staff, the following is the cost for septic coverage via American Home Shield, Choice Home Warranty, and Select Home Warranty:

  • Among the monthly fees are American Home Shield ($4.17 per month), Choice Home Warranty ($10 per month), and Select Home Warranty ($5.83 per month).

Because not all warranties are created equal, we recommend obtaining sample quotations from each supplier and assessing the advantages and disadvantages of each. The amounts of coverage and exclusions offered by different firms may differ, so it’s crucial to conduct your own research while prioritizing your requirements.

Bottom line

Despite the fact that a manufacturer’s warranty can provide some protection for your septic system, a home warranty that includes a septic system add-on provides a more complete degree of protection. Home warranties cover the cost of damage to numerous systems and appliances that occur as a result of normal wear and tear, and homeowners may choose from a variety of coverage options to meet their specific needs.

In the case of homeowners seeking for a septic warranty, we recommend starting with free quotes from home warranty providers and assessing your alternatives after you have received cost information.

Frequently Asked Questions

  • What is the cost of a service call? A service call charge is the deductible for your home warranty, and it must be paid at the time of repair or replacement. It should be included in your budget because you will be required to pay it each time you make use of your house warranty. If you request a septic tank repair and the work is covered by your insurance, you will only be responsible for your service cost. Does a septic warranty cover the cost of trash removal? In most cases, no. It is worth noting that none of the three firms on our list provide garbage disposal services, so you may need to look for another provider if you need to get rid of your waste. After acquiring a warranty for my septic system, how soon may I seek service for my system? Among the major home warranty companies, American Home Shield, Choice Home Warranty, and Select Home Warranty all have a 30-day waiting time before service may be accessed
  • This is the industry norm.
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Our consumers rely on us to deliver impartial and reliable information; as a result, we develop a comprehensive grading system that is used to compile our rankings of the finest home warranty providers. A wide range of rating elements are taken into consideration, and we collect data on dozens of home warranty providers in order to grade the firms on each factor. The final result is a cumulative score for each provider; the organizations with the highest cumulative scores are at the top of the list.

In addition, we examine example contracts to have a better understanding of what each plan covers and to identify any limits that may exist.

Once we’ve gathered all of the pertinent information, we’ll use the following grading methodology to provide a letter grade to each home warranty business on a range of one to one hundred:

  • Companies that offer a choice of plan alternatives are more likely to be able to satisfy the demands of their customers (25 points potential). As a result, we give more points to suppliers who provide a broader variety of options and better flexibility. There are 25 points available for cost considerations. Monthly fees and service charges are taken into account. It is more important to have a modest cost than a good score. Trust (out of a possible 25 points): We examine consumer comments on third-party review sites to determine the reputation of each organization. We subtract points from firms who are presently or have previously been the subject of civil actions, including Providing excellent customer service (10 points is achievable) The timeliness, friendliness, and helpfulness of a company’s customer service personnel are considered in determining this factor. State of availability (up to 5 points) is as follows: The majority of home warranty providers do not provide coverage in all 50 states of the United States. The highest-scoring providers in this area are those who provide service in the most states. Customers may be more interested in a home warranty if it offers additional advantages (5 points are possible): Promotions and discounts are among the perks that might make it more appealing to them. Companies who provide benefits that their rivals do not receive are given extra points. Detail on coverage (5 points available): While the overall number of plan options is significant, it is equally crucial to analyze the specifics of what is included under each of the plans. Better coverage is achieved by providing thorough coverage.

Does homeowner’s insurance cover septic tanks

If you own a property with a septic tank, you are well aware that it is no walk in the park when it comes to drain field maintenance! There are a number of factors to consider that a homeowner who is served by municipal sewers does not have to consider. You may be concerned about your septic tank backing up, the expense of repairs to your pump or pipe damage, the age of your tank, or the need for routine maintenance; nevertheless, this article may assist alleviate some of your concerns. We at BrokerLink are committed to assisting you in obtaining the appropriate coverage for your septic tank.

Homeowner’s insurance coverage for septic tanks

In general, home insurance plans are composed of several distinct types of coverage that are designed to protect different aspects of your home. Septic tanks are considered built-in house appliances, which means that if your septic tank is unexpectedly destroyed, it would be covered under the dwelling coverage component of your homes insurance. Damage to your house caused by your septic tank may also be covered by your dwelling insurance policy.

Septic tank damages that may be covered with homeowner’s insurance

Most home insurance plans offer coverage for “other buildings,” such as septic tanks, swimming pools, and fences, which are protected in the same way as the rest of your house. However, there are restrictions. The forms of damage that may be covered by homeowners insurance include those that occur suddenly and unexpectedly, and for which the homeowners could have done nothing to avoid them. The following are the most typical forms of abrupt damage:

  • Lightning or fire
  • Hail or windstorm
  • Aircraft-related damage
  • Explosions
  • Vehicle-related damage
  • Theft
  • Vandalism
  • Falling objects
  • Etc. The weight of snow, ice, or sleet has caused damage to the roof. Water damage as a result of a plumbing, heating, or air conditioning system failure
  • Water heater failure, including cracking, ripping, and burning
  • Frozen pipes

Septic tank damage that may not be covered with homeowner’s insurance

A basic home insurance policy does not provide coverage for the normal wear and tear on your septic tank and its associated pipes and fittings. In order to be covered by insurance, the damage must be regarded to have occurred suddenly.

Many of the most frequent causes of septic tank damage may be linked back to human error and a lack of regular maintenance, making it critical to properly maintain your tank. Here are some examples of ways you might be causing damage to your tank without even realizing it:

  • Chemicals, solids, and oils are flushed away. Drifting over the gas tank. Due to a lack of sufficient drainage
  • Tree roots are not being cared for

Tips for maintaining your septic tank

  • Make sure to pump your septic tank on a regular basis
  • Divert rainfall away from the septic drain field
  • Reduce water use by checking for leaks in faucets and toilets. Reduce the amount of water used for little loads of washing
  • Maintain a minimum distance of 100 feet between trees and the septic system. Trees have the potential to inflict root damage to the system. Display signs informing your customers that they should not dispose of rubbish in the toilet. Cloth diapers, feminine hygiene products, paper towels, cigarette butts, and face tissues are just a few of the items that can cause your septic tank to get clogged very rapidly. Heavy-duty cleansers should be kept to a minimum. Because heavy cleansers destroy beneficial bacteria in the septic tank, they have a negative effect on the breakdown of solids. Hazardous chemicals (e.g., varnish, paint thinners, motor oils, gasoline) should be disposed of correctly. It is not permissible to drive over or construct on top of the drain field. Planting grass on the drain field will help to reduce soil erosion.

Broker Pro Tip:

Maintain meticulous records of every work performed on your septic tank. This will assist you in determining when you should pump out the tank on a regular basis.

Protect your septic tank with home insurance from BrokerLink

BrokerLink insurance advisers take the time to get to know you and your insurance needs so that they can give insurance solutions that are tailored to your specific requirements. In addition, you receive something that is difficult to quantify: peace of mind, which cannot be quantified. Request an estimate for home insurance.

FAQs about septic tank damage

It is critical that you document all you can for your claim, including taking pictures of the harm that has occurred. In this way, less guessing will be required on the part of your insurance company’s adjuster. Also, be sure to understand what is and is not covered by your homeowner’s insurance policy. Keep up with the latest news and information to put yourself in the best possible position to comprehend what should be covered by your policy.

How often should a septic tank be pumped?

Pumping your septic system should be done generally every three to five years, although this is dependent on a variety of circumstances. One-person households, for example, will have to empty their septic tanks less regularly than a five-person home. Check with your local government to see if there are any restrictions that must be followed depending on where you reside.

What is the most common cause of septic tank failure?

One of the most common reasons for a septic tank to fail is a failure to do routine maintenance on it. This may be easily avoided, so extending the life of your septic tank significantly! Regular septic tank pumping, diverting rainfall from the septic drain field, and managing water consumption, such as monitoring faucets and toilets for leaks, are just a few of the most critical maintenance measures.

Septic Tank Pump Warranty Coverage

Septic systems are critical components of your home’s infrastructure, and you want to ensure that they are constantly operating at peak performance. However, even though the average septic system can endure several decades, it is not immune from malfunctioning at any point during that time. It is possible for your house septic sewage ejector pump to malfunction, resulting in a septic system that is not operating effectively. When this occurs, you will require assistance to repair or replace your septic sewage ejector pump in order to restore the proper operation of your septic system.

In the case of a covered malfunction, you may take advantage of experienced assistance to guarantee that your septic sewage ejector pump, as well as other systems and appliances in your house, are protected.

This implies that if your septic sewage ejector pump fails within the terms of this insurance, AHS will send a certified, professional service contractor to your house to repair it.

According to the terms of your contract, you’ll be required to pay a Trade Service Call Fee.

Depending on the extent of the repair required, additional costs may apply. With the assistance of AHS, a covered issue with your septic sewage ejector pump will no longer appear to be a source of concern. Request a Quote Right Now!

Compare Home Warranty Plans with Home Septic Pump Coverage

Protection for your septic sewage ejector pump is available as an option on all three AHS home warranty plans. It is necessary to pay an annual contract price in order to include the installation of the septic sewage ejector pump. Examine these options to choose which home warranty is best for your family’s needs.

  • Among the 14 essential systems that keep your house operating are electrical systems, heating and cooling systems, and plumbing systems. TheShieldSilverTMplan helps safeguard components of these 14 major systems. Besides providing the benefits of the ShieldSilverTM plan, the ShieldGoldTM plan additionally offers coverage for components of up to 23 important appliances and systems that you use on a daily basis. That is, in addition to the primary components of home systems, your household appliances are protected under this comprehensive plan
  • TheShieldPlatinumTMplan is our greatest plan yet for assisting you in protecting your home and keeping it functioning smoothly. It includes everything in ShieldGoldTM, as well as roof leak repair, as well as coverage enhancements such as limitless air conditioner refrigerant and a free yearly HVAC tune-up
  • It is available in two levels.

What’s Covered in a Home Warranty with Septic Sewage Ejector Pump Coverage?

Including in the Septic Sewage Ejector Pump coverage option is the pumping of septic systems as well as the pumping of sewage ejectors. Home warranty customers will be able to have mainline stoppages in their septic tanks cleared without the need for excavation once. The sewage ejector pump for the septic system is likewise covered under this one-year, renewable guarantee, as is the septic tank. Among the warranty exclusions to look for are the following, which are not exhaustive:

  • Sewer pipes that have broken or fallen outside of the foundation
  • Treatment of the septic tank and/or sewage pipes using chemicals
  • Getting Rid of Waste

Suggested Plan For You

The components of up to 23 major household appliances and systems will be covered under a ShieldGoldTM or ShieldPlatinumTM plan, depending on the plan you choose. In addition, if we are unable to fix your protected item, we will replace it. When you purchase the ShieldPlatinumTM plan, you will also receive coverage for roof leak repair. Examine both plans and choose the one that best fulfills the insurance needs of your family.

Septic tanks: Three insurance questions answered

The design of septic systems is such that they may provide long-term, effective treatment of residential waste if they are properly handled and maintained. According to the Washington State Department of Health, the majority of systems that fail prematurely are the result of poor maintenance practices (WSDH). (Photo courtesy of Shutterstock) According to the Washington State Department of Health and Human Services, less significant septic tank problems are typically related with plumbing, such as pipe clogs caused by tree roots growing into the pipe.

  • According to the Washington State Department of Health, the most significant difficulties are caused by a clogged drainfield, which is a costly fix.
  • For more information — or to discover how to obtain answers to YOUR coverage questions — please visit this page.
  • Question: There has been considerable discussion about coverage here, and we wanted to hear your thoughts on it.
  • Water that backs up through sewers or drains is specifically excluded from the scope of the HO 00 03 05 11, and that exclusion is preceded by anti-concurrent causation wording.

Apartment nightmare

Query:One of our insureds has a commercial policy (ISO CP 00 10 04 02, with CP 10 30 04 02 as an attachment) that covers a huge apartment complex (see question). A septic system is installed on the premises since the complex is not linked to a public sewer system. Recently, the sewage line connecting to the septic system became clogged, resulting in flooding in the lowest apartments of the condominium complex. A significant amount of money was spent on damage and cleaning. Even while we believe that the damage is excluded, the agent contends that because it is not a sewer, the loss should be covered by insurance.

  1. What is your point of view?
  2. “Water that backs up or overflows from an aewer, drain, or sump” is specifically excluded under Exclusion B.1.g.(3).
  3. Seweras are defined as “an artificial, usually underground conduit for the removal of sewage and occasionally surface water” by Webster’s Collegiate Dictionary.
  4. It is defined as “a tank in which the solid stuff of continually running sewage is digested by microorganisms” in the dictionary.
  5. According to a search of Black’s Law Dictionary, there are no meanings for the terms “sewer” or “septic,” indicating that there are no distinct definitions utilized in the court system.
  6. v.
  7. The exclusion occurs as a result in ordinary language that is understood by most people.
  8. You are proper in your decision to refuse the claim.
See also:  Why Isn'T My Septic Tank Digesting? (Solved)

Turn of events

Question:We received a claim that was out of the ordinary, and we were initially of the opinion that the loss was not covered. However, after receiving new information, we believe that the loss may be covered. Our insured homeowner’s identification number is HO 00 03 05 01. During routine maintenance, it was discovered that the septic tank had a break in it, resulting in a small leak. It is possible that the crack happened at any moment. There is no structural damage to the building. The first thing that sprang to me was to reject coverage for the tank replacement.

We now believe that this claim should be reimbursed.

— The state of Florida Subscriber Answer: You make a very rational case for the necessity of coverage.

Please keep in mind that structures linked to a residence are protected under coverage A.

Glass must be part of a covered structure, but the septic system satisfies that requirement. Given that fiberglass is essentially glass in fibrous form, according to Webster’s Collegiate Dictionary (Tenth Edition), it cannot be claimed that fiberglass is not genuinely glass. Likewise, see:

  • Along with the unwelcome vegetation, worries about insurance begin to arise. Insurance issues emerge when automobiles are taken away from their respective locations. Insurance coverage for burst pipes is dictated by the specifics.

DPM Insurance Group

Many homeowners are under the impression that they must be linked to a municipal sanitary sewage system in order to be eligible for sewer backup coverage. This is simply not true. However, this is not the case – backup or discharge from a sewer, septic tank, or storm drain are all covered IF you have the appropriate insurance coverage. Having sewage back up into your house is not only unclean, but it can also cause significant damage that is difficult and expensive to fix. As a result, most basic house insurance plans do not cover sewer backup, which means that if you wake up one morning to discover three or four inches of raw sewage in your basement, you may have to pay for the cleaning and repairs yourself.

The following are the things that sewer backup insurance will cover.

This form of insurance provides coverage for the following items:

  • Incidental damage caused by a backed-up sewer or septic system, including the cost of cleaning or repairing walls, flooring, and furniture
  • Sump overflow, whether from a sump pump or from other associated equipment

Your property would almost certainly require a thorough professional cleaning, particularly if sewage made its way into your ductwork. It’s possible that you’ll have to repair your drywall and flooring, as well as furniture and other personal goods, after the flood. Furthermore, not only does it need a large time investment, but the financial outlay may easily run into the hundreds of dollars. Coverage levels and availability vary, and the Brokers and Customer Service Representatives at DPM Insurance Group can assist you in determining how much sewer backup coverage you need have in order to be adequately safeguarded.

It is possible that the water from sewer systems contains harmful germs and viruses that might cause significant diseases in members of your home when consumed.

coli are frequently discovered in sewage water.

A mop and a bucket are insufficient for dealing with this sort of contamination; specialist training and equipment are required to guarantee that this type of pollution is dealt with correctly.

  • You live in an older neighborhood with a deteriorating sewer infrastructure. You have a lot of trees and bushes in your neighborhood, and the roots of these trees and shrubs can break into your service lines and cause blockages. Your pipeline system is responsible for transporting both rainfall and sewage. You live in a low-lying area
  • Your home is built on stilts.

Keeping Sewer Backups at Bay The likelihood of experiencing a sewage backlog cannot be completely eliminated, but there are numerous preventative actions that you can do to drastically reduce your chances of experiencing one. Grease should be disposed of properly: Fats, sauces, and cooking oils should never be flushed down the toilet or down the sink. Once down the drain, these oils will cool and harden, eventually resulting in a full blockage of the drain line. rather of storing it, pour the oil into a heat-proof container and discard of it Pipes that are broken or out of date should be replaced: Many homeowners are unaware that they are liable not just for the pipes that are contained within their home’s construction, but they are also responsible for the pipes that run between their home and the main sewage line.

  • Installing a backwater prevention valve entails the following steps: A backwater prevention valve restricts the flow of water through a pipe to just one direction at a time.
  • Water damage insurance alternatives, endorsements, and discounts are available from a variety of insurance carriers, making it difficult to compare and contrast these policies effectively.
  • While you may or may not already have sewer backup coverage on your policy, being aware of the endorsement is an important part of ensuring that you are exposing yourself to an appropriate level of risk and that you are getting the most out of your coverage.
  • Firstly, many insurance companies spend a substantial amount of money each year dealing with sewage backlog claims, which is a source of contention.
  • Some insurance companies may require you to pay a higher deductible ($2000) on any sewer backup claim you may have, regardless of the deductible you have on the remainder of your insurance policy (which is typically much lower).
  • Additionally, sewage backup may not be accessible in some places, and sewer backup does not give coverage for any other sorts of water damage, such as a flood.
  • In order to learn more about water coverage and possible extensions to strengthen your policy, you should contact with one of the brokers or customer service representatives at any one of DPM Insurance Group’s six locations located across Chatham-Kent and Essex County, Ontario.

For contact information for all of DPM’s offices, please see the following link:

Does Homeowners Insurance Cover Septic Problems?

If your septic tank backs up or malfunctions in any other way, you’re in for a massive disaster that requires rapid attention. Unfortunately, in the vast majority of cases, your homeowners insurance will not cover the costs of the repair. There are certain exceptions, but they are not applicable to typical wear and tear. Individual septic tanks are referred to as “onsite wastewater disposal systems” in California, even if they are not connected to a sewer system.


Problems with the septic system are often not covered under standard homeowner’s insurance policies.

Regarding Septic Tank Damage

It is expensive to repair or replace a faulty septic tank, with costs ranging from $5,000 to $30,000 or more, depending on whether the tank and leach field need to be replaced or repaired. If there was nothing you could do to prevent septic tank damage, your homeowners insurance may cover the cost of the repairs if they were necessary. However, because your septic tank is placed deep beneath the earth, it is unlikely to be harmed by the kinds of “Act of God” concerns that may impact other sections of your home, such as a lightning strike, such as those that may impair your plumbing.

Septic tank damage is most typically caused by a lack of adequate maintenance, which is not something that an insurance company would cover under any circumstances.

Understand Insurance Riders

Because the interior sewage system is comprised primarily of plumbing, septic tanks themselves are not considered structural elements of your home, such as the roof or flooring. The majority of homeowner insurance policies do not cover “features” that are located outside of the property. If this is a critical concern for you, speak with your insurance agent about acquiring a rider that will cover septic tank damage if it occurs. A rider like this is not available from all insurance providers; however, if you can locate one that does, you may want to consider moving your business to that provider.

Get Flood and Earthquake Insurance

It is possible that a flood or an earthquake will cause significant damage to your septic tank system. The typical homeowner’s insurance policy does not cover these situations; however, you may obtain supplemental flood or earthquake insurance that will protect not just your septic tank but also your whole property.

Protect Your Septic Tank

Prevention is essential since it is doubtful that your homes insurance would pay out if you have septic tank issues. Therefore, regular maintenance is essential. Ensure that your septic tank is pumped as often as is advised for the amount of water that is used in your home. Pumping is required every two to three years for most families, but any tank that receives a lot of demand must be pumped on an annual basis. Keep everything else in the bathroom out of the toilet, including human waste and toilet paper, and attempt to toss as much of this latter item away instead of putting it into the septic system.

It’s important to remember that, while the septic system is most commonly connected with the toilet, it really deals with all of the wastewater that leaves your home.

Avoid taking lengthy showers or washing more than one load of laundry every day. It is important to ensure that nothing substantial is ever erected over the tank and leach field, such as a parking lot for automobiles.

Will Home Insurance Cover Your Septic Tank?

The majority of the time, if your home is constructed on land that does not have access to a public sewage system, you will have a septic tank system to handle the wastewater generated by your toilet, shower, and sink. That system is an essential part of your home’s operation. If it doesn’t work, your home will become uninhabitable in a very short period. In addition, if it fails, it is not inexpensive to fix. It might cost anywhere from $5,000 to $40,000 to repair or replace a septic tank and leach field.

The quick answer is that it does not.

Why Isn’t Your Septic Tank Covered?

Although your septic system is an important feature of your house, an insurance company will not consider it to be a “part” of your home for the purposes of insurance coverage. It exists beyond the walls of the home and is not structurally connected to it. Most homes insurance policies do not include coverage for losses or damage caused by septic systems, so you should check with your insurance agent to see whether your policy does. If you’re perplexed, you’re not the only one. There are many people who have septic systems who are unsure of the specific coverage provided by their insurance policy when it comes to their septic system.

There are certain exclusions, and the specific exceptions may vary depending on the business from which you acquired the insurance.

  • Damaged or corroded tanks or baffles
  • Tree roots encroaching on the pipe
  • Tanks that have cracked
  • Clogged or failed leach fields
  • Your warranty coverage will not be extended if your system breaks as a result of improper maintenance or an avoidable issue.

Ways to Get Covered

It is only when a “sudden or inadvertent” failure occurs that the damage is covered in the case of a plumbing emergency. As long as you can demonstrate that your septic tank was properly maintained (and that you have documents to support your claim), you may be able to convince your insurance provider to pay for the damage. You may, however, require the assistance of an independent adjuster or a lawyer in order to be successful.

Sewer Backup Coverage Add-on

Septic backup insurance is available from a number of businesses as an add-on to the homeowner’s policy. After flooding, strong rainstorms, or a sewer collapse, these regulations come into effect when sewage pipes in the city get backed up and overflow. They pay for the costs of cleaning and property damage, and they may also cover the expense of a backed-up septic tank. It’s significantly easier to submit a claim when you have this type of insurance coverage. If you decide to pursue this option, be sure to obtain written confirmation that your system is covered as well as any terms that may apply to the coverage.

Preventing Damage Caused By Your Septic Tank System

Septic backup insurance is available from a number of firms as an add-on to a homeowner’s plan. After flooding, strong rainstorms, or a sewer collapse, these regulations come into effect when sewage pipes in the city get blocked up. A backed-up septic tank may be covered by insurance, as are cleanup and property damage costs.

Claims may be filed considerably more quickly and easily with this type of insurance. Consider exploring this option, but make certain you have confirmation that your system is covered and understand any conditions that may apply to the coverage before going through with it.

  • It’s the gurgling sound that comes from the toilets. In the field, there are wet places or a dense growth of flora. Amount of sewage that makes it to the surface of the leach field
  • Drains take a long time to drain
  • A unpleasant odor emanating from the leach field

If you can solve these concerns before they become major problems, you can reduce the likelihood of a full failure. In the meanwhile, meet with your agent and spend some time getting to know everything about your policy and how it works.

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