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.