Homeownership brings freedom, comfort, and joy—but also responsibilities. Among the most overlooked costs are underground water and sewer line repairs, which are rarely covered by standard homeowners insurance. This is where American Water Resources (AWR) insurance steps in. But is American Water Resources insurance worth it? Let’s explore this policy through a trusted lens, empowering you to make an informed and confident choice.
Understanding American Water Resources (AWR) Insurance
AWR offers water and sewer line protection plans tailored for homeowners. These plans typically cover the costs of repairing or replacing underground service lines that connect your home to public systems. Without this coverage, homeowners could face repair bills soaring into the thousands. AWR also provides in-home plumbing emergency protection in some regions.
Why Homeowners Consider Water Line Insurance
Imagine waking up to a flooded lawn or a backed-up sewer system. These issues aren’t just messy—they’re expensive. Underground line repairs can cost between $3,000 and $7,000 depending on the severity. Most homeowners insurance policies do not cover these damages because they’re classified as “outside the home’s structure.”
Utility companies often consider these lines your responsibility, not theirs. That’s where AWR steps in—covering what your traditional insurance won’t. This peace of mind alone is why many homeowners find AWR’s offering compelling.
What AWR Insurance Covers (And What It Doesn’t)
AWR plans generally include:
- External water service line repairs
- External sewer/septic line repairs
- In-home plumbing emergency repairs (optional in some plans)
However, like any insurance policy, exclusions apply:
- Pre-existing damage
- Non-standard materials like Orangeburg pipes
- Cosmetic restoration like landscaping or driveways
- Commercial property use
Understanding these limits helps set realistic expectations and avoid surprises.
Cost and Pricing: What You’ll Pay for AWR Protection
AWR’s pricing varies by location and utility partnerships. On average:
- Water line protection: ~$5-8/month
- Sewer line protection: ~$8-10/month
- Bundle plans: ~$12-15/month
In many municipalities, AWR collaborates with water departments to offer discounted rates. Compared to unexpected repair costs, these prices are budget-friendly and designed to deliver high ROI.
Customer Experiences: What Homeowners Say
Feedback on AWR is generally positive, especially for quick service and easy claims. Many customers report satisfaction when emergency repairs were handled promptly, with zero out-of-pocket expenses. Negative reviews often mention delays or misunderstandings about coverage limitations.
Real homeowner review:
“When my water line broke, I was looking at a $4,000 repair. AWR sent a contractor within 24 hours. I paid nothing extra. I’m sold.”
Trustpilot and BBB feature mixed reviews, but AWR has worked hard to resolve complaints and improve transparency.
How AWR Compares to Other Options
Let’s stack AWR against other providers:
| Feature | American Water Resources | HomeServe | American Home Shield |
|---|---|---|---|
| Water Line | Yes | Yes | No |
| Sewer Line | Yes | Yes | No |
| In-home plumbing | Optional | Yes | Yes |
| Price | $12-15/mo | $15-20/mo | $30+/mo (bundled) |
| Local utility partner | Often | Sometimes | Rarely |
AWR is a top contender in affordability and simplicity, particularly when bundled with local utility billing.
Is AWR Insurance Really Worth It?
It depends. If you own an older home (built before the 1980s), or live in a region with shifting soil or tree roots, your risk is higher. AWR can be a financial lifesaver. For newer homes or regions with mild climates, the risk is lower, but peace of mind still holds value.
Here’s the financial reality:
- Average repair cost: $3,000 to $7,000
- Average AWR annual premium: $150
- Savings potential: Huge in the event of a claim
Risk-averse homeowners and landlords often consider this a smart investment.
Pros and Cons of American Water Resources Insurance
Pros:
- Affordable monthly premiums
- Covers gaps in homeowners insurance
- Fast emergency response
- Available in many U.S. cities
Cons:
- Limited cosmetic restoration
- Not all plans include in-home plumbing
- Coverage exclusions apply
What Experts Say: Insight from Plumbers and Inspectors
Licensed plumbers and home inspectors often recommend line protection, particularly for homes over 30 years old. Roots, freezing, and corrosion are the main culprits of line damage.
“A single crack in a water line can turn into a five-figure repair overnight. Insurance like AWR protects homeowners from financial disaster,” says Mike H., a certified master plumber in New York.
Should You Buy AWR Insurance? Our Final Verdict
Yes, for many homeowners, American Water Resources insurance is absolutely worth it. It’s a low-cost way to avoid surprise costs that can easily derail your budget. It’s especially valuable for those with older homes or those who live in root-prone or freeze-prone areas.
That said, always read the fine print. Understand your specific needs, and weigh your home’s age, condition, and location. And remember: protection isn’t just about saving money—it’s about gaining peace of mind.
If you’re facing issues like denied claims or settlement disputes, you may also want to understand topics like “how to sue an insurance company“ or “what happens when you reject an insurance settlement offer“ for deeper insights into your consumer rights.
FAQs About American Water Resources Insurance
Is water line insurance worth it for older homes?
Yes, older homes are at higher risk for corrosion, tree root infiltration, and outdated materials. Insurance like AWR provides affordable protection and peace of mind.
Does homeowners insurance cover water or sewer line repairs?
Generally, no. Most homeowners policies exclude service lines since they’re considered part of the exterior property. AWR fills this coverage gap.
How does American Water Resources compare to HomeServe?
AWR often offers more affordable plans, especially when bundled with your water utility. HomeServe may provide more comprehensive in-home options, but costs are typically higher.
Are there any hidden fees with AWR insurance?
No hidden fees, but exclusions apply. For example, non-covered materials or pre-existing issues may not be eligible for repair.
What’s the cancellation policy for American Water Resources insurance?
You can cancel anytime without penalties. Some utility partnerships may require a 30-day notice. Always check your service agreement for specifics.
