Does Home Insurance Cover Sewer Pipes? 
Not normally . Your home insurance was designed to repair or replace your home if something covered happens to it . Usually , anything below ground is n't covered . Now , if your home is destroyed and the insurance company rebuilds your home , they will usually pay to hook your sewer up , but not to repair or replace the pipes . if you think about the things that can happen to a home , a sewer pipe really ca n't have those things happen to it . My big question here is : what the heck happened to your sewer pipes that you want covered ? Insurance is designed to repair damage that is sudden and accidental . There are n't many things you can do to a sewer pipe that are sudden and accidental . About the only thing I can think of is if someone working underground hits a sewer pipe and breaks it . In this case the company working there is responsible for any damage they may cause . 