Expenses incurred during the repair of septic tanks can quickly become quite significant. One of the common questions insurance agents are asked is whether the insurance that covers your house also covers the septic tank. The short answer is that it does, as your septic tank is part of your dwelling. It will typically cover the damage to the tank or any damage cause by malfunctioning septic tank system. Keep in mind that coverage for the service line is typically an option that you must select separately, when deciding on your home insurance.
- The damage would need to be sudden and not caused by wear and tear or poor maintenance.
- Some incidents would be covered by HO-2 and HO-3 policies, but not a basic HO-1 policy.
- Additional service line coverage can be bought to cover damaged utility lines and pipes.
“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.”