Does Homeowners Insurance Cover Underground Plumbing? 
Generally no , a homeowners policy will not cover damage to underground plumbing . For the most part , other than wear and tear -LRB- which is not a covered peril in such a policy -RRB- earth movement of some sort might be about the only cause of damage to such systems . Earth movement is an excluded cause of loss in a standard Homewners policy which can , however , be endorsed onto your policy . Talk to your Insurance Professional about this and all of the terms and conditions of your particular policy . That having been said , if the underground plumbing is damaged by an outside force , for example , a dump truck that drives over yoiur property , compressing the soil ad thus damaging the plumbing system , this should be covered by the contractor 's General Liability or Commercial Vehicle insurance . 