Some homeowners insurance policies will cover sewer line replacement, and some will not. It is important to check with your individual insurance company to find out if your policy covers this type of repair. Many times, a separate policy or endorsement is necessary to provide coverage for this type of repair.

There is no universal answer to this question since homeowners insurance policies vary from one policy to the next. It's important to read through your specific policy to see what, if any, coverage you have for sewer line replacement. That being said, most homeowners insurance policies do not cover sewer line replacement costs. In some cases, your homeowners insurance policy may cover part of the cost of sewer line replacement if it's determined that the damage was caused by something like a natural disaster or vandalism. But in most cases, you'll be responsible for paying for the entire cost of sewer line replacement out-of-pocket.