It really depends upon what you mean by "failed septic system."
If you mean you have septic backup into your home you could be covered if you have sewer/water backup. This is a endorsement in your policy that adds a sub-limit for clean-up AND repair.
If you mean your septic tank has failed, that could be covered or could not be covered by a homeowners policy. It really depends upon the wording of your policy because there is no such thing as standardized septic tank coverage.
Furthermore, if the septic tank has failed due to age or wear then that will definitely not be covered because that is more of a warranty issue than an insurance issue.
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If you mean you have septic backup into your home you could be covered if you have sewer/water backup. This is a endorsement in your policy that adds a sub-limit for clean-up AND repair.
If you mean your septic tank has failed, that could be covered or could not be covered by a homeowners policy. It really depends upon the wording of your policy because there is no such thing as standardized septic tank coverage.
Furthermore, if the septic tank has failed due to age or wear then that will definitely not be covered because that is more of a warranty issue than an insurance issue.
I hope this helps.