Let’s take a look at a newer insurance coverage now offered on many home insurance policies!

Each insurance company has a slightly different description of this coverage so it is always best to check for the details of this coverage with your insurer.

Service Line Coverage provides payment for loss or damage resulting from a service line failure.  A service line constitutes underground piping and wiring that is located at the residence and provides a service such as delivering water or power to the dwelling or other structure from a utility or a private water supply.

What is covered by service line coverage?

Water piping that connects from the dwelling to a public water supply or well.

Sewer piping that connects from the residence to the public sewer system or private septic system

Power lines that provide electrical service to the dwelling or other structure or piping that connects to a heat pump

Why does a homeowner need service line coverage?

Your standard home insurance policy does not include coverage for this type of failure.

The best way to explain this is really by claims examples!

Claim Scenario 1.

An underground water pipe bursts during a spring freeze.  Repair of the pipe costs $1500, excavation costs $500, and landscape repair to the garden costs $250.

Standard home insurance policy would not pay for these repairs.

Home policy that has added Service Line Coverage would pay for these repairs subject to the deductible.

Claim Scenario 2

A large rock abuts an underground sewer line directly under the insured’s sidewalk prior to entering the home. Years of wear mar the pipe and cause leakage requiring excavation and replacement of the pipe.

Standard Home insurance policy would not pay to repair the damaged pipe and the sidewalk.

Home insurance policy that has added Service Line Coverage would pay for these repairs subject to the deductible.

Ask about your home insurance policy today!   Does your policy include this valuable Service Line Coverage?