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Does homeowner’s insurance cover septic tanks?

If you own a home with a septic tank, there are things to consider that a homeowner serviced by municipal sewers doesn’t have to worry about. Whether you’re concerned about your septic tank backing up, the cost to cover pump or pipe damage, the age of your tank or regular maintenance, this article may help ease some of the worry.

At DPM Insurance Group, we want to help you find the right coverage for your septic tank. Mitigating the risks septic tank owners may face can help offer peace of mind, so you can focus on what matters to you.

Homeowner’s insurance coverage for septic tanks

Home insurance policies are made up of several different types of coverage that protect different parts of your property. Septic tanks are considered built-in home appliances so your septic tank would be covered by the dwelling coverage component of your homeowners’ insurance in the event that it is suddenly damaged. Dwelling coverage can also cover damage to your home that is caused by your septic tank.

Septic tank damages that may be covered with homeowner’s insurance

Most home insurance policies include protection for “other structures” like septic tanks, pools and fences that are covered in the same way as everything else inside your home. However, there are limitations. The types of damage that may be covered by homeowners’ insurance are sudden and acute, meaning the homeowners could have done nothing to prevent them.

Most common types of sudden damage include:

  • Lightning or fire
  • Hail or windstorm
  • Damage caused by aircraft
  • Explosions
  • Damages caused by vehicles
  • Theft
  • Vandalism
  • Falling Objects
  • Damage from the weight of snow, ice, or sleet
  • Water damage from plumbing, heating, or air conditioning overflow
  • Water heater cracking, tearing, and burning
  • Pipe freezing
  • Septic tank damage that may not be covered with homeowner’s insurance

A standard home insurance policy does not cover regular wear and tear to your septic tank and attached pipes. The damage must be considered sudden in order to be covered by insurance. Many of the most common causes of damage to septic tanks can be traced to human error and lack of proper maintenance, so it’s important to take care of your tank.

Here are ways you may be unknowingly damaging your tank:

  • Flushing chemicals, solids and oils
  • Driving over the tank
  • Not having proper drainage
  • Not taking care of tree roots

Tips for maintaining your septic tank:

  • Pump your septic tank regularly.
  • Divert rainwater from the septic drain field.
  • Regulate water usage – check faucets and toilets for leaks; reduce water levels for small loads of laundry.
  • Keep trees at least 100 feet away from the septic system. Trees can cause root damage to the system.
  • Display signs that notify your patrons to not dispose of waste in the toilet. Items like disposable diapers, feminine sanitary products, paper towels, cigarette butts and facial tissues will quickly clog your septic tank.
  • Minimize heavy duty cleaners. Heavy cleaners kill beneficial bacteria in the septic tank, impacting the breakdown of solids.
  • Dispose of hazardous chemicals properly (varnish, paint thinners, motor oils, gasoline).
  • Do not drive over the drain field or build on top of it.
  • Plant grass on the drain field to minimize soil erosion.


The brokers and CSRs at DPM Insurance Group take the time to get to know you so they can provide insurance solutions that meet your unique needs. In addition, you get something that’s hard to put a price on: peace of mind.


Source: BrokerLink Communications



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