Water & Sewer
Sewer Line Protection Program
Sewer Service Line
What's Covered?
Backfilling Holes
Clogs and blockages
Equipment
Excavating
Permits
Reseeding Yard
Why this plan?
As a homeowner, you are responsible to pay for repairs to the exterior sewer line that runs from your house to the sewer main in the street - and repair costs are often in the thousands. Lines can clog due to normal wear and tear, such as age, tree root intrusions and ground shifts causing:
Unexpected repairs can be both daunting and costly. Our Sewer Line Protection Program protects you from these unexpected costs. See above for what we cover.
- Sewage backup in your home or pooling in your yard
- Sewage backup in your basement/crawlspace
- Foundational damage
- Sewage smell or backups in your sinks, toilets, bath/shower
Unexpected repairs can be both daunting and costly. Our Sewer Line Protection Program protects you from these unexpected costs. See above for what we cover.
$40,000
Highest paid claim in 2023
$24M+
Total paid out in 2023
$1,361
Average repair cost
34,710
Number of claims to date
FAQs
The Sewer Line Protection Program covers up to $12,500 per occurrence for one of our independent contractors to repair a clog or blockage in your outside sewer line caused by normal wear and usage, and to refill, rake and reseed areas outside your home that were excavated to access your sewer line. If a covered repair requires a public sidewalk or road to be opened to access your sewer line, we will pay a separate limit of up to $12,500 per occurrence to cut, excavate and repair the same section of public sidewalk or road. Also, includes up to $1,000 reimbursement per occurrence for out-of-pocket landscape restoration necessitated by covered sewer/septic line repairs. Repair or replacement costs may exceed the Program's coverage limit. In such cases, homeowners must pay any costs above the Program's coverage limit.
If your home becomes uninhabitable due to a covered issue, the plan also includes up to $1,500 for reasonable hotel accommodations and up to $500 for boarding of house pets if authorized in advance.
Your enrollment begins the day Oncourse processes your enrollment, which is the enrollment date on your welcome letter. Your protection and ability to make a claim begin 30 days after the enrollment date. The first year of coverage includes a 30-day waiting period and 11 months of coverage.
The Protection Program and price are for a 12-month term that will automatically renew each year for an additional one-year term. You can cancel at any time.
No, there are no service fees with this program.
The Sewer Line Protection Program provides repairs to clogs and blockages of a covered sewer line caused by normal wear and tear. Oncourse takes care of the costs of permits required to excavate and complete covered repairs.
Because your sewer line is an integral part of your home, and it can be prone to problems. Standard homeowners insurance typically doesn't cover it, meaning you're responsible if there's a problem. The Sewer Line Protection Program from Oncourse protects you from those costly repair bills and takes away the hassle of dealing with them.
You can sign up and pay monthly or annually with convenient options like a checking or bank account (ACH), or a credit card (VISA or MasterCard). ACH is our preferred payment method, as it provides the most reliable way to maintain continuous coverage by reducing the possibility of payment failures.
Select the plan and follow the simple enrollment form, or you can call us at 833-566-3504.
You can find coverage information outlined in the Terms & Conditions linked above the program name on this page.
Individual policies vary, but standard homeowners' insurance policies typically do NOT cover repairs or replacements of the sewer line. Review your homeowners' insurance policy for additional information.
If you decide you no longer want to maintain your protection with us, there are multiple ways for you to cancel it.
By phone: This is typically the easiest and fastest way to cancel your program(s). You can call 833-566-3504 any time, day or night, and select the option to cancel your protection. When you are connected to one of our agents, tell them that you wish to cancel your protection. The agent will ask you some questions to verify your account information and will be able to assist you with the cancellation.
Online chat: To initiate an online chat with one of our agents, click on the Chat prompt on the right edge of one of our website pages. Select "Billing Question" as the nature of your inquiry and click Submit, then let the agent know you would like to cancel your coverage. (Or, if prompted, please enter your name and "Cancel coverage" as the reason for your chat.) The agent will assist you from there.
If you cancel your protection within the first 30 days after your new program enrollment was processed, you will be entitled to a full refund of all program fees you have paid. This refund will be issued within 30 days of cancellation.
For all other customers:
If you are paying monthly for your protection, your program cancellation will take effect at the end of your monthly billing cycle and you will not receive money back. Protection under your contract will continue through the end of your monthly billing cycle, regardless of when you cancel within the cycle.
If you are paying annually for your protection, your program cancellation will take effect at the end of the current billing month within your annual term, and you will receive a refund for the remainder of your annual term. Your refund will be credited to the same payment method you used to make your annual payment.
After your protection cancellation request is processed, the cancellation will take effect at the end of your current monthly Oncourse Home Solutions billing cycle. Until that date, your protection will remain active and you will be eligible to make a claim if needed.