Does Homeowners Insurance Cover Failed Septic Systems? 
It really depends upon what you mean by `` failed septic system . '' If you mean you have septic backup into your home you could be covered if you have sewer/water backup . This is a endorsement in your policy that adds a sub-limit for clean-up AND repair . If you mean your septic tank has failed , that could be covered or could not be covered by a homeowners policy . It really depends upon the wording of your policy because there is no such thing as standardized septic tank coverage . Furthermore , if the septic tank has failed due to age or wear then that will definitely not be covered because that is more of a warranty issue than an insurance issue . I hope this helps . 