National Water Company is proud to partner with The Management Trust to offer insurance solutions tailored for their homeowners. While The Management Trust remains your primary point of contact for HOA matters, National Water Company provides the insurance products designed to protect your aging water and sewer lines, giving you peace of mind. This partnership allows you to access reliable coverage through a seamless, trusted experience.
Service Line Coverage
What Is This Insurance?
Most homeowners are unaware that pipe repairs are excluded by their standard homeowners policy. So, if your water or sewer lines ever leak or break, you’ll be responsible for the repair.
These pipes are used everyday, and are under constant stress. Every time you wash your hands, run the dishwasher, or take a shower, hundreds of feet of piping are being affected and slowly wearing out.
Eventually, when these pipes do leak, you’ll need to find a plumber quickly. However, these repairs can be thousands of dollars, and it’s difficult to find a trustworthy plumber on short notice.
With insurance offered by National Water Company, you’ll never have to worry about this scenario. With pre-screened and reliable plumbers in our network, and hundreds of happy claimants, these insurance policies offer great peace of mind.
What Is Covered?
National Water Company (NWC) provides insurance for all your water and sewer lines, both inside and outside.
Thousands of homeowners in Washington, Idaho, and Oregon trust NWC to insure their pipes. With millions of dollars paid out in claims, NWC is an expert in water and sewer line repairs.
Your policy would cover anything from a minor leak, to a major rupture or collapse. You’ll likely discover a leak by high water bills, moisture behind your walls, slow drains throughout your home, and other signs.
When this happens, National Water Company will dispatch a plumber or contractor, who can diagnose the issue and start the repair the same day.
Along with the repair cost, NWC policies pay for the cost of digging, landscaping, driveway repair, hotel stay, water bill reimbursement, backup costs, and more.
Why National Water Company?
Founded in 2010, National Water Company (NWC) has helped thousands of homeowners across Washington, Idaho, and Oregon.
Most insurance companies are large corporations that service all 50 states, or even multiple countries. You’ll never speak with the same person twice, and claim process is typically longer.
National Water Company is purposely different. Our main office is in Moses Lake, Washington, and all of our agents and representatives can be reached by name.
Since NWC is a local company, we have close relationships with our plumbers. If you ever have a leak, NWC will call one of our trusted plumbers or contractors, who can typically be at your house that same day.
Coverage Plans
Platinum Protection Plan
$25.44 / month
Exterior Water
Exterior Sewer
Interior Water
Interior Sewer
$10,000 Annual Coverage (x4)
Zero Deductible
Hotel Stay
Backups
Water Bill Reimbursement
Why choose the Platinum Protection Plan?
The Platinum Protection Plan is the most popular package chosen by National Water Company customers!
It covers all the main water and sewer lines inside and outside your home. Remember, your pipes were all installed on the same day back when your home was built. You never know which pipe is going to leak, and where it will happen.
Individual Policies
Exterior Water
$7.32 / month
$10,000 Annual Coverage
Zero Deductible
Repairs for water leaks, whether minor or major, from normal wear and tear. Coverage is between the foundation of your home, and the property boundary, meter, or well.
Coverage includes the cost of labor, parts, digging, landscaping the yard, replacing the driveway, and more.
Exterior Sewer
$8.05 / month
$10,000 Annual Coverage
Zero Deductible
Repairs for sewer breaks or collapses from normal wear and tear. Coverage is between the foundation of your home, and the property boundary or septic tank.
Coverage includes the cost of labor, parts, digging, landscaping the yard, replacing the driveway, backups, and more.
Interior Water
$5.12 / month
$10,000 Annual Coverage
Zero Deductible
Repairs for water leaks, whether minor or major, from normal wear and tear. Includes all hot and cold water lines behind your walls, flooring, ceiling, foundation, and garage.
Coverage includes the cost of labor, parts, removing drywall, and more.
Interior Sewer
$4.95 / month
$10,000 Annual Coverage
Zero Deductible
Repairs for sewer line and gray water line leaks, whether minor or major, from normal wear and tear. Includes all drain lines behind your walls, flooring, ceiling, foundation, and garage.
Coverage includes the cost of labor, parts, removing drywall, and more.
For any other specific questions, please call NWC at 1-800-790-3201 and ask for an agent.
You can view the policy that National Water Company offers here.
Below are a partial list of general exclusions found in National Water Company’s policy. Please contact an agent with NWC if you have any specific questions, or want a more comprehensive list. This list is paraphrased as to what the policy actually says.
- Problems existing prior to enrolling
- Natural or manmade disasters
- Work that was not authorized by NWC.
- Coverage for exterior lines that extend beyond 250 feet in length.
- Septic tanks, sump pumps, septic drain fields, etc.
- Repairs within the first 30 days of enrollment
- Water faucets, shower heads, toilets, hose bibs, etc.
Traditional homeowner policies exclude natural wear and tear and repairs for piping. You should check with your agent, but you will almost certainly discover that all repairs on your property are your responsibility.
NWC has pre-screened, licensed, and bonded plumbers available all across Washington, Idaho, and Oregon. NWC will call one of these plumbers, on your behalf, if you ever have a needed repair or potential problem.
There is always zero deductible, no matter how small or large your claim is.
There is a 30-day waiting period to file a claim. This helps to keep rates low by discouraging fraud.
Single-family home policies provide up to $10,000 in coverage per occurrence, and have a $10,000 annual limit.
Multi-family residence policies provide up to $10,000 in coverage per occurrence, have a $10,000 annual limit for water lines, and a $20,000 annual limit for sewer lines.
You can choose between monthly or annual payment plans.
You can pay your premiums with any Visa or MasterCard, checking account, or by sending in an annual check to our mailing address.
The cancellation process is quick and easy. This can be done by calling our office at 1 (800) 790-3201, extension 4. We will need a reason why you are cancelling, and (if applicable) a new mailing address for any refund.
Yes, you may cancel the coverage anytime throughout the year. On the day of notification, NWC will issue a refund of the portion of insurance that wasn’t used (pro-rated).