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.  

[Nathan Gesner]

Quote from @Joshua Stein:

...it was flagged at closing so we already had credits at closing that helped pay for this.

Why would you file a claim if you already had money credited to you at closing to cover the expense? Just pay for it and be done. And if it's been repaired properly, you can consider stopping the sewer insurance because you're unlikely to have another problem for the time you own it.