Service Line Coverage
What is Service Line Coverage?
Service line coverage is insurance against damage to service lines on your property, such as power lines, water, sewer pipes, and more. It covers the expenses of excavation and repair of underground wiring and piping.
Why do I need service line coverage?
As a homeowner, you may be surprised to realize that the replacement of these service lines falls to you in the event of damage, not the service provider. Therefore, the expenses related to service line damage do not usually fall under your standard homeowner's policy. However, with service line coverage, you could be covered for repairing and excavating a broken service line.
What classifies as a service line?
The following classify as service lines:
Power lines and electrical wiring
Steam piping
Telephone and cable lines
Drainage
Fuel Lines
Water pipes
Waste disposal
Sewer piping
Private wells and septic systems
What does service line coverage cover?
Below are some examples of damages covered by most service line coverage:
Wear and tear
Rust, corrosion, decay, and deterioration
Mechanical Breakdown
Tree or root-caused damage
Vermin, insects, or rodent damage
Freezing
Weight of equipment, vehicles, animals, or people
Collapse
How expensive is a service line repair and coverage?
Repair work can be pretty expensive depending on the type of service line and how severe the break is. Most service line repairs fall between $1,000 to $4,000 to repair, not including excavating and landscaping. In contrast, this coverage ranges from $30-$40 a year for $10,000-$20,000 of coverage. If service lines are a concern, you should add this endorsement to your homeowner's policy.
