Most standard homeowner insurance policies do not cover sewer line damage or replacement. Sewer line insurance, also called underground utility insurance, covers the cost of repairing or replacing your sewer line due to normal wear and tear, tree root damage, and other covered events. In NYC, sewer line insurance typically costs $5-$15 per month and provides coverage of $5,000-$15,000. Given that sewer replacement in NYC can cost $10,000-$25,000, this insurance can be a smart investment, especially for properties with older sewer lines. However, read the fine print — some policies have significant exclusions and waiting periods.