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Is Your Service Line (Sewer & Electric) Covered Under Your Homeowners Insurance?

By March 5, 2015April 14th, 2023Home insurance, Insurance

Most homeowners aren’t aware that they are responsible for the repair or replacement of service lines, such as sewer lines, electrical lines and data communication lines that run between their home and the public connection. Many think that it is covered under their homeowners insurance. Unfortunately most homeowners would be wrong, unless they purchase the service line coverage now offered by many insurance companies.

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As a homeowner, you may not have heard of service line coverage, but it’s a crucial protection that you should consider adding to your home insurance policy. Many home insurance companies offer this coverage now as an optional add-on, and it can save you thousands of dollars in the event of a service line failure.

Service line coverage is designed to protect you from the costs associated with repairing or replacing the various service lines that run from your home to the street. These lines include things like water pipes, sewer lines, and electrical lines, among others. If any of these lines fail, it can be incredibly costly to repair or replace them, and most home insurance policies do not cover this type of damage.

Here are some of the reasons why you should consider purchasing service line coverage:

  1. It’s affordable: Service line coverage is typically quite affordable, with most policies costing just a few dollars per month. For this small investment, you can protect yourself from potentially thousands of dollars in repair or replacement costs.
  2. Service lines are vulnerable: Service lines are often buried underground, making them vulnerable to damage from a variety of sources, including tree roots, shifting soil, and corrosion. In addition, many of these lines are quite old and may be nearing the end of their lifespan, increasing the likelihood of failure.
  3. Home insurance policies don’t cover service line damage: Most home insurance policies exclude coverage for damage to service lines. If you don’t have service line coverage, you could be on the hook for the full cost of any repairs or replacements needed due to service line damage.
  4. It provides peace of mind: With service line coverage in place, you can rest assured that you are protected from the costs associated with service line failures. This coverage can provide valuable peace of mind, knowing that you won’t be hit with an unexpected bill for thousands of dollars in repair costs.

In conclusion, service line coverage is an important protection that every homeowner should consider adding to their home insurance policy. With its affordability and the vulnerability of service lines, it’s a small investment that can provide significant protection and peace of mind. Contact your home insurance provider today to discuss adding service line coverage to your policy or call Insurance Incorporated at 877-898-9333 or quote yourself online in minutes.