You’ve insured your home, your belongings, and maybe even your identity. But what about the underground service lines that connect your home to city utilities?
If you’ve never heard of Service Line Coverage, you’re not alone—but it’s one of the most valuable (and affordable) home insurance endorsements you can add.
What Is Service Line Coverage?
Service Line Coverage helps pay for the repair or replacement of underground utility lines that run from your house to the street. These may include:
- Water pipes 💧
- Sewer or septic lines 🚽
- Electrical and internet wiring ⚡
- Gas lines 🔥
- Steam or HVAC piping 🌡️
If any of these lines crack, collapse, or get damaged, you may be responsible for repairs—even if the damage is located outside your home or on your property—depending on your location and utility provider.
Why Don't Standard Policies Cover This?
Most standard homeowners policies don’t include coverage for damage to service lines, even though you may be responsible for them. That means you could be stuck with a surprise bill of several thousand dollars for excavation, repair, and even landscaping after the work is done.
What Types of Damage May Be Covered?
Coverage varies by insurer, but many service line endorsements may include protection for damage caused by:
- Wear and tear or aging pipes
- Root intrusion from trees 🌳
- Freezing and ground shifting
- Collapse, cracking, or breakage
- Accidental damage from digging
Some policies may also include coverage for additional living expenses if the damage temporarily displaces you from your home.
What Does It Cost?
Service Line Coverage is typically very affordable—often a modest annual cost depending on the home, location, and carrier. Considering the average repair bill for a broken service line can run $3,000 to $7,000 or more, this coverage may save you from a major unexpected expense.
Final Thoughts
Service Line Coverage may not be the most well-known part of a home insurance policy—but it’s one of the most practical and cost-effective protections you can add.
Not sure if you have it?
Let us review your policy and walk you through your options. A small endorsement today could save you from a big expense tomorrow.
