Are Utility Service Lines Covered by Home Insurance?

Your homeowner policy may cover repairs related to burst pipes inside your house, however, a home insurance policy typically does not cover damage to utility service lines running underneath your property.

What are Utility Service Lines?

Clients are often unaware that they are responsible for lines underground that bring services to your house such as; cable, internet, waste disposal, heating, drainage, water, electrical power are all service lines that may be in your yard.

Some of the home insurance companies we represent such as Safeco Insurance, Liberty Mutual, or Travelers now offer a service line endorsement that can be added to your existing policy by request.

What coverage is available for service lines?

Service line coverage is an optional type of insurance that can reimburse you for damage to utility lines you are responsible for maintaining. The coverage varies by the home insurance company and can protect you from disaster. The following types of loss are often included when adding this perk to your policy; wear and tear, rust and corrosion, mechanical breakdown, freezing or frost heave, tree, or another root invasion.

How much is service line coverage?

The coverage can be added to your existing homeowner insurance policy by endorsement for a small additional premium. Do not be left out in the cold! With temperatures dropping, you may need to further customize your home policy.

Please contact our office and request this new policy perk be added to your homeowner’s insurance policy.

Call and request a quote or if you’re new to our agency, simply begin your home quote now.

Home Quote Tip: Maximize your discounts by bundling auto quote and umbrella liability with your homeowner’s policy today.