Is Sewer Line Replacement Covered By Homeowners Insurance? 
You can purchase an endorsement called Water/Sewer Backup which will cover resulting damage from a water/sewer line backup . The sewer line itself is not covered but the resulting damage is covered . Homeowners insurance is designed to cover sudden and accidental losses . It is not a maintenance policy and it does not cover damage from wear and tear so if you sewer line needs to be replaced because it is old or tree roots have cracked the pipe , there is no coverage . 