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Most homeowner's insurance policies do not provide coverage for a septic system in the event of a failure due to normal wear and tear. A new septic system can cost tens of thousands of dollars!

That is where the Pro-Sept Septic System Protection Plan comes in. The residential septic system program that helps to eliminate concerns about the possibility of a system malfunction. Check out more info below on our services.


  • System inspected & pumped by approved inspector within 90 days of applying
  • System pumped at least every 3 years
  • More frequent pumping required if recommended by inspector
  • Transferable to a new homeowner


  • National Onsite Wastewater Recycling Association
  • National Energy & Fuels Institute
  • Empire State Energy Association
  • New York State Energy Coalition


Program Details:

The Pro-Sept Septic System Protection Plan covers repairs or replacement up to $25,000.

  • Minor repairs are subject to a $500 deductible.
  •  $2,500 deductible for repair or replacement of the leaching system.
  • Up to $2,500 sublimit for repairs or replacement of the septic tank.
  • Protection for brand new systems, with accompanying installation paperwork, is valid for 3 years and covers years 2-3, following the 1-year anniversary of the completed installation. (Builder/installer is responsible for the first year.)
  • Protection for existing systems is on an annual term. The system must be pumped and a visual inspection performed at your expense every 1-3 years, as required.
  • The plan is transferable to a new homeowner.
  • Septic system must be less than 30 years old to be eligible for the program.
  • Major Exclusions:  Negligence, abuse, rust, corrosion, liability to a Third Party, costs incurred in gaining access to or closing access from a covered item, routine maintenance, damage to the physical structure of the residence,  cesspools, seepage pits.  Systems over 30 years of age are not eligible to enroll.
  • Available in the states of: AL, CT, DE, GA, IL, IN, MA, MD, ME, NH, NJ, NM, NY, OH, PA, RI, VA, VT. Available soon in additional states! Contact us for more details.

Pricing starting as low as $465 per year!*
Complete the simple enrollment application today to receive your quote! *Pricing may vary based on a number of factors. Contact Pro-Sept or complete an application for specific pricing.


Inside a Septic System:

A septic system generally includes an underground septic tank, a drainfield, and underground piping. Wastewater flows into the tank, where sludge settles in the tank bottom, and wastewater passes through to the drainfield, where it is absorbed into the earth beneath your property. Septic systems are not connected to a municipal sewer system.

Periodic inspection and maintenance are necessary to ensure proper functioning and remove the sludge that collects in the septic tank. Homeowners must also take care not to dispose of hazardous household waste in sinks or toilets. 

In most states when you sell your home, the septic system must pass inspection and be in good working order.


In the Event of a Septic System Malfunction...

If you have a problem with your septic system, one call starts the process. We will alert a qualified service professional and brief them on your problem. You will be given the contact information for that company, so that you may arrange a convenient date and time for them to assess the issue.
Once our claims department receives the servicer’s report, they will review the findings and quickly inform you how the claim will proceed.


Search For Approved Inspectors

Search for approved inspectors in your area by area code 888 or state abbreviation CT, to find an approved septic inspector by you. A certified inspector can also be found by visiting the National Association of Wastewater Transporter's Inspector Search at


2023 PS Plan Summary_Optimized