null Should you get water and sewer line insurance?

However, what you might not know is that your municipality is not responsible for repairs to these pipes. That means that any damage to them could potentially lead to thousands of dollars you may have to pay out of your own pocket.

The good news is that many insurers offer water service and sewer line coverage as an optional add-on to your policy. Read on to learn if this coverage is right for you.

Should I buy water service and sewer line insurance?

Adding water service and sewer line coverage to your homeowner’s insurance could save you thousands of dollars in the long run. You should consider this coverage if you:

Own a home or rental property

Your existing homeowner’s insurance likely doesn’t cover your water service and sewer lines, which you’re responsible for as a homeowner.

Live in an older home

Your sewer lines may be reaching the end of their lifespan and be more susceptible to damage. If your neighbours have had to replace their water service and sewer lines, this is a sign that you might have to replace yours soon, too.

Have trees on your property

Tree roots can push into the tiniest cracks in your sewer pipe and continue growing until they clog or break the pipe.

What could cause water and sewer lines to break?

Nothing lasts forever, and that includes the service lines running under your land. While water service and sewer lines usually last for decades, their lifespan varies depending on several factors, including:

Normal wear and tear

Older sewer lines are prone to corrosion and sediment build up that can cause leaks or broken pipes.

Tree roots

As trees grow, their roots exert pressure on sewer lines which can cause them to crack. Once inside a pipe, roots continue to grow and may eventually clog the pipe. Even if you don’t have trees on your property, a neighbour’s tree could still wreak havoc on your water service and sewer lines.

Heavy equipment

Heavy construction and landscaping equipment can cause buried sewer and water lines to collapse under the weight.

When shopping for coverage, here’s what to look for:

Check to ensure your home insurance policy will cover these expenses:

  • Repair or replacement of damaged water service and sewer pipes located on your land
  • Excavation costs and debris removal
  • Repair or replacement of outdoor landscaping

Adding service line coverage to your policy will cost you pennies a day and goes a long way in protecting your home and personal finances. Find out about this optional coverage offered by The Personal today.

Should you get water and sewer line insurance?

The water service and sewer pipes under your land bring water into your home and carry waste water away.


The Personal refers to The Personal General Insurance Inc. in Quebec and The Personal Insurance Company in all other provinces and territories.

These tips are provided for information and prevention purposes only. They are general in nature, and The Personal cannot be held liable for them. We recommend using caution and consulting an expert for comprehensive, tailored advice.

Some conditions, exclusions and limitations may apply. The conditions of the coverages described are set out in the insurance policy, which always prevails.