Service Line Coverage for Homeowners
Home Insurance Add-On
- Helps pay for costs to repair or replace damaged underground service lines (sewer, water, power, etc)
- Cost starts at $20 annually
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What does service line insurance cover?
Service line coverage protects you from the high costs of fixing your home's underground utility lines, like water lines, sewer pipes and power lines. You're often responsible for fixing these items when they break down, even when your city or town provides these services to you. Service line coverage helps pay for the cost to repair or replace damaged service lines up to $10,000 per incident once a $500 deductible is met.
How Service Line Coverage Protects You
Maintaining service lines is key to keeping your home habitable. Here are some potential situations where it's helpful to have service line coverage.
Did you know?
“In the United States, it is estimated that around 25% of homeowners are unaware that they are responsible for the maintenance and repair of their sewer and water lines, leading to unexpected and costly repairs. This highlights the importance of having sewer and water line insurance coverage to protect against these expenses.”
Frost Heave and Line Freezing
As the fall turns into winter, colder temperatures pose risks. Expansion of ice in your yard can cause sewer lines to "heave" upwards and become damaged. Or the water supply line between the city water main and your home may burst due to freezing.
Root and Tree Invasion
Near by tree roots may be attracted to an active leak in your sewer line. Small tendrils of roots can infiltrate tiny crevices in pipes can crack them open over time as the roots continue to grow.
Stray Electrical Current
Arcing from frayed underground wiring can melt plastic service lines and degrade metal and iron pipes.
Frequently Asked Questions
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*The information on this webpage only briefly describes coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.