Is Sewer Line insurance even worth it?

[Joshua Stein]

I recently had a sewer line repair that was an emergency, our main line basically disconnected from the city line - full blockage. Fortunately, it was flagged at closing so we already had credits at closing that helped pay for this.

I talked to my insurance agent about submitting a claim, the long and short is that it would be a $500 deductible (specific to that rider) and the payout would be $2,500. My agent also suggested that I not even bother with submitting a claim, as the premium increase would negate the payout in 1-2 years.

I'm sitting here wondering why I even have sewer line insurance if it's such a small amount that they would pay out and I should never submit a claim.

Should I remove this rider from my policy (and subsequently drive down the cost)? Are there other parts of your insurance policy that you specifically exclude?

*My only other experience with submitting a claim was when a tree clipped the corner of one of our properties, that was pretty straightforward.