When it comes to sewer lines, the party who is responsible for the expense varies. It could be the homeowner, the home warranty or the homeowner’s insurance. It is all going to depend on your policy or policies. History has shown that sometimes the insurance will pay for just the excavation or they will be financially responsible for the pipe or repair itself, but never both. You are going to come out of pocket for some of the expense. Your deductible is also going to be a deciding factor as well, so when faced with sewer issues it is best to call the plumber and get the issue repaired immediately.