Will homeowners insurance pay for repair of broken underground sewer line?

Typically, damage caused by sewer lines is not covered under standard homeowners insurance. Sewer backups and sewer line damages are usually excluded losses or covered through the addition of a specific type of endorsement or rider to the policy. Homeowners should thoroughly read their policies and, if needed, communicate with their insurance provider to gain detailed information on the coverages and limitations concerning sewer backup and sewer line damage.