Owning a home in New York City comes with many responsibilities—some expected, others not so much. While most homeowners focus on roofs, boilers, and appliances, one of the most overlooked (and costly) risks lies underground: your water and sewer lines.
These essential lines connect your home to the city’s main water and sewer systems. If they fail due to age, corrosion, tree root intrusion, or shifting ground, repairs can quickly become overwhelming—both logistically and financially.
The Hidden Risk Beneath Your Property
Many homeowners assume their standard homeowners insurance covers everything related to plumbing. Unfortunately, most policies do not cover water or sewer lines outside the foundation of your home. That means the portion running from your house to the city connection is typically your responsibility.
In NYC, repairing a damaged water line can cost $12,000 to $15,000, while sewer line repairs can soar to $30,000–$50,000, depending on depth, street excavation, and permits required. These unexpected expenses can place a serious strain on your finances.
What Is Water & Sewer Line Insurance?
Water and sewer line insurance is a specialized protection plan designed to cover the cost of repairing or replacing these underground lines. This coverage is offered in coordination with the New York City Department of Environmental Protection, through their partner American Water Resources (AWR).
To contact them for their NYC Service Line Protection Program, call their general line at 1-888-300-3570. This number is for general inquiries about the program to enroll. (Kindly keep your water bill handy for reference information.)
*Please contact the company to confirm whether coverage is available at your current address.
With this protection in place, homeowners can avoid paying massive repair bills out of pocket and gain peace of mind knowing they’re covered if an emergency occurs.
Why This Coverage Makes Sense for NYC Homeowners
New York City’s infrastructure is aging, and many homes—especially older properties—are more vulnerable to line failures. Weather changes, ground movement, and urban density all increase the likelihood of issues over time.
By securing water and sewer line insurance, you’re not just protecting pipes—you’re protecting:
- Your home’s value
- Your family’s financial stability
- Your peace of mind
Don’t Wait Until It’s Too Late
Plumbing emergencies rarely come with a warning. Taking proactive steps now can save you tens of thousands of dollars later. Coverage availability may vary by address, so it’s important to confirm eligibility directly with the provider.
Protecting your home means planning for the unexpected—and water and sewer line insurance is one of the smartest safeguards NYC homeowners can put in place.
About Ximena Ibarra
With 30+ years of experience in the New York City real estate market, Ximena Ibarra is a trusted seller’s agent who provides clients with expert insights and personalized service. From timing the market to pricing strategies and staging, Ximena has a proven track record of helping sellers maximize their property’s value. Whether you’re planning to list your home in fall or waiting for the right moment, Ximena can guide you through every step of the process.
Contact:
Ximena Ibarra
Licensed Real Estate Associate Broker
Phone: (646) 296-5016
Email: ximenaibarra@yahoo.com
Website: www.ximenaibarra.com
Let Ximena help you make the most of your NYC real estate journey!
