Jump right to it: The best sewer and water line insurance plans are offered by Choice Home Warranty. ... Basic sewer line coverage with American Water Resources is priced at $9 per month.

American Water Resources' water line insurance, which costs $60 annually, covers up to $5,000 in repair costs but does not cover damage to property or excessive water usage because of the issue.

The letter from American Water Resources states: "Water service line repairs are typically not covered by standard homeowners' insurance." The letter goes on to offer protection for $3.49 a month.