Will my home insurance policy pay to fix a broken sewer line?

(old broken sewer line, considered to be a maintenance issue)

It s always a devastating experience to have a sewer break take place with your home.  It is not only inconvenient, troublesome, but expensive.  As an insurance agent I get a lot of questions, this is one of the most common questions I get.  Not only is this true of homeowners, it is true with commercial lines as well.  “Will my insurance policy pay for a broken sewer line?”  To give a short answer to this questions, no and yes.

Sewer backup coverage only covers the damage due to a sewer backing up.  For example, the pipe clogs towards the middle or towards the street on your sewer line, causing sewage and water to back up in your house and small flooding, the insurance will pay for the damage caused from the sewer backup.

What decides if a insurance company will pay for a broken sewer line, all depends on the condition of the pipe and how old it is.  If the sewer line breaks due to it being old, and it needs to be replaced, then the insurance company is not going to pay out anything.  Insurance companies don’t pay for maintenance, they only pay for accidental and sudden losses.

The industry rarely pays out on this type of incident. The only time they were to possibly consider, is if its not due to a warranty issue, and the line must be up to date and new. Even then, there is more than likely no coverage. For Example: an insurance company will not pay out on a 50 year old clay line, that broke due to natural wear and tear and its at the end of its life use.

Please contact us with any questions, we can write insurance in 45 states.  Feel free to leave comments.

What Is A Personal Umbrella Liability Insurance Policy?

When watching television we see lots of lawsuits taking place which could even involve you.  These lawsuits and advertisements thereof,  pay for a lot of airtime.  You have “Henry the Hammer” telling you how much money you can get for your car accident.  Unfortunately, you have a ton of frivolous lawsuits that are going against the insurance companies at which at the end,  drives up the premium for your vehicle insurance.  Unfortunately, it is the attorneys making the most money from this.  It is not the victim that wins, it is the attorney that wins.  This is why if you have assets, your life savings, money in bank, properties, you have to make sure you are protecting yourself from these attorneys because they will go after these assets.

Let us explain how an umbrella works.  First of all, umbrellas are purchased in increments of one million.  Our agency can sell a ten million dollar umbrella, but the average is one million.  Umbrellas protect you above and beyond your auto and home insurance liability.  Do keep in mind to qualify for an umbrella, you have to maintain certain underlying limits.  The United States average for these requirements is $250,000 per person, $500,00o for the total accident, and $100,000 for property damage for auto insurance liability.  For home insurance liability, it is a $300,000 minimum, this can include your renters, homeowners, landlord, or investment property.

Examples of how an umbrella will work:

1.  An auto insurance example:  you get into an at fault accident and there is one person in the car.  That person sues you managing to get a $500,000 judgement against you including fees.  At this point your limits have been exhausted on your auto insurance policy.  But you have wisely purchased an umbrella, so the one million dollars is more than enough to cover the judgement.  If you had not purchased an umbrella, your personal assets and estate would be jeopardized.

2.  A Homeowners example:  someone comes to your home and visits, slips and falls and sues you for $700,000 including fees.  That person wins and your $300,000 homeowners policy limits are exhausted.  Again, since you have purchased an umbrella, you are protected because you have at least one million to cover the judgement.


A simple answer is, if you have money in the bank, own stocks, are a CEO, an athlete, a business owner or make an average income, you need one.  One easy way to figure this out, “how well established in life am I right now?”  You need one, but if you are a college student and don’t have a penny in the bank, you don’t need one.  A college student is usually lucky just to buy an auto policy covering the mandatory legal liability limits.

How much is an Umbrella?

The average price of an umbrella is $260.00 per year at our agency which includes two vehicles and one home.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Umbrella Insurance Quote!

We offer up to 6 personal lines companies for umbrella insurance. To get a insurance quote, please use our quick form, or contact us during normal business hours at (888)-270-0995. We will counsel you into how to receive the best price, for the most coverage. We will also advise on how to maximize discounts.

So What is a DP-3 Property Policy and Why Should I Purchase One?

Why should one carry a DP-3 Policy?  First of all, for those unfamiliar with a dwelling policy, the Dwelling Policy 3 is a policy used to insure private dwelling residential property. Occupation could include a homeowner who doesn’t qualify for an HO-3 or HO-5 policy, or if the property is being rented to tenants. A DP-3 is not designed for vacant properties.

The dwelling is insured under a replacement cost basis. DP-3’s vary company to company. Most companies include other structures coverage, of 10 percent of what the dwelling is insured for. Other coverages that can be endorsed and added to the policy include personal property, personal property full replacement cost, extended dwelling coverage, loss of use, law and ordinance, sewer back up, liability, medical payments and more.

For more information on insuring and buying a landlord insurance policy from us, please click here.

Why have my home insurance rates gone up?

In Colorado in July 2009, we had a major hail storm come through Denver and surrounding area’s. It came through and caused a little bit of property damage to homeowners roof’s. Now depending on the roof condition, a lot of homeowners filed a claim due to hail damage to their roof’s. Not only did I have a lot of clients who got new roof’s, but also I saw a lot of neighbors and people I didn’t know, by driving around the neighborhood and seeing these new roof’s getting replaced. A lot of roofer’s were going door to door, trying to sell people new roof’s paid by the insurance company. I knew a lot of people who were incredibly happy about their new roof’s and how the insurance companies, with no haggle, replaced their roof.

So what is the unintended consequences of all these roof’s being replaced? Well lets face it, the insurance company makes money off of your premiums you pay each year. So what happened when homeowners got their insurance re-newels? Well, a lot of them experienced sticker shock. Lets face it, the insurance company has to make it up those losses some how. So what they do is raise insurance premiums all across the board. This very unfair to the consumers who didn’t file a claim, but premiums are based off of loss experience.

So next time you get an insurance re-newel and your unhappy about the premium increase, don’t forget the insurance company just bought you a new roof. And if your one of those consumers who got hit with a premium increase and didn’t get a new roof. Maybe next time you should consider, because people will always take advantage of a new roof paid by the insurance company.

Loss experience + return on investment = Insurance premium rates.

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