U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > New Jersey
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
 
Old 09-14-2009, 10:32 AM
 
Location: NJ
3,729 posts, read 8,511,333 times
Reputation: 2690

Advertisements

I got a solicitation from our water company today (NJ American Water) about water and sewer line repair insurance. It costs $12/month and protects against a water or sewer line breakage on my property. Honestly this is something I have never even thought of. Do homeowners typically purchase this type of insurance?
Reply With Quote Quick reply to this message

 
Old 09-14-2009, 01:54 PM
 
387 posts, read 1,235,142 times
Reputation: 217
many homeowners policies already have coverage for "backup of sewers and drains", and just about all homeowners policies will cover damage from a pipe breaking. if you don't currently have the coverage, you should be able to add it for less then $12 per month.

i'd give your insurance agent a call, but in my opinion a homeowners policy if written properly should be sufficient.
Reply With Quote Quick reply to this message
 
Old 09-14-2009, 09:12 PM
 
Location: Marion County, FL
1,287 posts, read 2,446,254 times
Reputation: 547
Quote:
Originally Posted by Hal Jalikeakick View Post
many homeowners policies already have coverage for "backup of sewers and drains", and just about all homeowners policies will cover damage from a pipe breaking. if you don't currently have the coverage, you should be able to add it for less then $12 per month.

i'd give your insurance agent a call, but in my opinion a homeowners policy if written properly should be sufficient.
I don't think this is what the poster is referring to -- I think the utility is offering insurance on a break between the house and where the lines connect to the mains out in the street, which the homeowner is responsible for, and which can run in the thousands to repair.
Reply With Quote Quick reply to this message
 
Old 09-15-2009, 05:25 AM
 
55 posts, read 327,796 times
Reputation: 41
I took it out on my lines after my neighbor had to have his replaced. Yes, it costs thousands to repair and it is not covered by your home owners insurance.

Before issuing the policy, the water company sent someone out with a camera to scope out the sewer line from the basement all the way out to the curb. If they showed a pre-existing condition they would not insure it.

Across the street from me there were also 2 water main breaks within a year. And a few other houses in the neighborhood also required sewer line replacements over the past few years.

The policy through Middlesex wter was $13 a month.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:



Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > New Jersey
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2018, Advameg, Inc.

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top