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An easy answer is that there is insurance for anything. You can buy a policy on whether or not it will rain tomorrow or not. Outdoor events do buy these policies to pay for extra expenses of moving or putting the event off or such. I have written life insurance for horses before which is called Equine Mortality Insurance. When you see these Golf tournaments that offer One Million Dollars for a hole in one on a certain hole this is funded by purchasing an insurance policy. The company will evaluate the hole and offer the event a reasonable premium to provide the money should someone get the hole in one. This way the event or charity is not on the line for the entire amount of the money yet receives the benefits.

On your question, often times you can simply add an endorsement to your property coverage to add coverage for sewer backup or water line breakage. Water line breakage is already included in most homeowner and property policies without adding an endorsement. Sewer backup may not be included automatically.

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Q: Is there insurance available for sewage and water line breakage?
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