Unfortunately, your homeowners' insurance won’t cover most of the common reasons that a sewer line would break. Most sewer line failures arise from neglect, age of the pipes, and poor maintenance. Any of these causes mean your homeowners' insurance won’t cover the cost of repairs. Anything considered a “preventable error” or maintenance issue won’t be covered. In rare cases, your insurance may cover the damage caused to a sewer line. Your basic policy may cover the portion of the sewer line that is on your property, depending on what caused the damage. Damage caused by an “Act of God” or something out of your control, would be covered as long as it’s not specifically excluded from your policy such as floods or earthquakes which require separate insurance.