Do you have a plumbing insurance policy? If so, do you also need a different type of coverage for your water and sewer lines? Most homeowners don’t think about this until they’re in the middle of an emergency. However, it’s important to consider if your regular homeowner’s policy covers your water heater or not.

Here are six questions to ask yourself if you’re considering home plumbing insurance.

1. What does my regular homeowner’s insurance policy cover?

Your regular homeowner’s insurance policy likely covers damage to your home and belongings inside, but it may not cover damage to your home’s pipes or water heater. To be covered for this type of damage, you’ll need to purchase a separate plumbing insurance policy.

2. What is my water heater covered for?

If you need to replace your home’s water heater, one of the most expensive appliances in a house, would it be covered by your homeowner’s insurance policy or not? Most policies will cover damage that happens due to an accident such as fire. However, they often exclude flooding and other water-related damage.

In order to be sure your water heater is covered in case of an emergency, you’ll need to purchase a separate plumbing insurance policy. This type of policy will also cover any leaks that may occur from the water heater, so it’s important to have coverage in place if you have this type of appliance in your home.

3. Am I at risk for sewage backup?

If you live in an area where the soil is moist or prone to flooding, then there’s a chance that if your pipes become clogged over time, they could begin to back up into your home. In addition, during heavy rains, these soils absorb more water and make it difficult for the drainage system under your house to handle large amounts of water coming through your pipes.

4. What is the average cost of a plumbing insurance policy?

The average cost of a plumbing insurance policy will vary depending on the amount of coverage you choose. However, it’s important to note that this policy typically costs less than $100 per year.

When comparing policies, be sure to look at the deductible as well. For example, many policies have a $500 deductible, but some have a lower deductible.

5. What is the best way to prevent a plumbing emergency?

The best way to prevent a plumbing emergency is by being proactive. Inspect your home’s water pipes for any leaks regularly and have them fixed as soon as possible. Also, be sure that you know where your home’s main water shut-off valve is in case of an emergency. If a pipe does burst, learning how to turn off the water quickly can help minimize the damage.

6. Are there any discounts available?

Some home plumbing insurance providers offer a discount if you have your water heater inspected annually. When comparing policies, be sure to ask about this, as it can help reduce your coverage cost each year.

If you’re considering purchasing a plumbing insurance policy, be sure to ask yourself these five questions. You’ll better understand what type of coverage is right for you and your home by answering them.