If the septic tank is damaged then the repairs or replacement of the septic tank and drain field will be covered by your homeowners insurance policy.
However if the septic tank causes back up of sewage into your home and damages your home because you neglected to have the septic tank pumped on a certain schedule then the septic tank and damage will not be covered by homeowners insurance.
You must make sure to keep the septic tank pumped out every 5 to 10 years depending on how much use the septic tank gets.
The more the septic tank gets used the more often it will need to be pumped.
Having a septic tank pumped out only costs around $80.00 to $200.00 per pumping session of the septic tank depending on the size of the septic tank.
It would be best to get the septic tank pumped every 5 years to make sure it's clean and working properly.