Does homeowners insurance cover repair for a leaky sewer line?

Typically, homeowners insurance will not cover repairs or damages caused by leaky sewer lines because the incident often relates to wear and tear or gradual deterioration. Homeowners should consider purchasing optional additional coverage or a rider like water backup damage or sewer and drain coverage for such circumstances. However, some policies might offer limited coverage as per specific policy terms and the cause of the leakage. Homeowners are advised to carefully review their home insurance policies and coverages before making assumptions.