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 Average Home Insurance Cost in the U.S. for 2025 The average cost of homeowners insurance in the U.S. is about $2,110 a year for $300,000 worth of dwelling coverage, but rates vary by state ...

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.