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Does Homeowners Insurance Cover Plumbing?

One thing that many people don’t think about is whether or not their plumbing is covered! You might want to take time to explore the company’s policy before making your final decision. Do I have to purchase a policy that covers everything or can I pick and choose the parts of coverage that are important to me? What types of coverages come with homeowner insurance policies? How do I save money on my Home Insurance Policy? Home insurance is a big decision. It’s something you purchase to protect your home and family from the unexpected, but it can be difficult to know what kind of coverage you need.

It depends on your lifestyle and personal finances, as well as how much risk you want to take on when it comes to protecting your home from damage due to natural disasters or theft. Homeowners insurance usually includes protection against fire, storm damage, theft and more – but does that cover plumbing?

For many people who don’t think about this before purchasing their policy, they discover too late that there’s no coverage for plumbers’ fees if things go wrong with their pipes. That means they have a big bill coming up which they weren’t expecting.

  1. What is home insurance and why do you need it
  2. Why should I get homeowners insurance for my plumbing
  3. How much does homeowners insurance cost
  4. Do I have to purchase a policy that covers everything or can I pick and choose the parts of coverage that are important to me
  5. Different types of coverages offered by Home Insurance companies
  6. Tips on how to save money on your Home Insurance Policy
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What Is Home Insurance and Why Do You Need It

Homeowners insurance is designed to help protect your home from the unforeseen. This type of coverage typically includes protection for damage due to events such as fire, theft, storm damage and more. For many people however, they discover too late that their plumbers’ fees are not covered under their policy if something goes wrong with their plumbing.

Why Should I Get Homeowners Insurance for My Plumbing

Many people fail to think about this before purchasing their policy and later on when a plumbing emergency arises they find out they will have a hefty bill coming up which they were not expecting. So while some may not see it as a necessity, it is always wise to purchase an insurance policy that covers your plumbing.

Most people don’t know that a sewer line replacement can cost as much as $30,000. Of course, not all sewer line replacements cost that much. The cost is often calculated by a cost per foot, which can range anywhere from $50 to $250 per foot.

However, the cost can be heavily impacted by the ability to access the pipe. If the pipe is 10 feet underground and runs close to public roads or other utilities, then additional costs will be needed for permits, tractors, trucks and waste disposal. Most city ordinances require that “gray water / mud” be vacuumed up into specialized trucks.

How Much Does Homeowners Insurance Cost

The reason it is difficult to give a one-size-fits-all answer when it comes to how much home insurance costs is because different factors can affect the price you pay in a big way, such as where you live and the amount of coverage you choose.

The price is determined by an estimated value, which is determined by local authorities. The estimated value is not always the same as the recent sold price.

The insurance premium is calculated on an annual amount, which is then broken down into monthly payments.

The average annual premiums typically range between $645 – $2,148.

Do I Have to Purchase a Policy That Covers Everything or Can I Pick and Choose the Parts of Coverage That Are Important to Me

While all of us would love it if there was one golden policy that had everything we needed, unfortunately these types of policies don’t exist yet. However, just because you can’t get a one-size-fits-all policy doesn’t mean you have to purchase a different policy for each type of coverage. If you want, you can pick and choose the parts of your coverages that are important to you.


Have questions? We are here to help. Still have questions or can't find the answer you need? Give us a call at 404-807-4865 today!

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