Underground service lines coverage

When it comes to owning a home, it is important to protect what matters most. One potential risk that homeowners are often unaware of relates to the service lines that run to and from your home – any damage to these lines is your responsibility, and without underground service lines coverage the costs associated with repairs can add up quickly.

So what is considered an underground service line, and what am I responsible for?

Underground service lines include:

• Water and waste pipes
• Electric lines
• Cable, telephone, and Internet lines
• and more

As a homeowner, you are responsible for any damage that takes place from your home to your property line¹. Whether this be a frozen pipe that bursts, or tree roots growing into a sewer line, the liability falls to the homeowner.

Although homeowners are responsible for damage to service lines, this type of coverage is usually not included in a standard homeowner’s policy. Some utility companies offer coverage options, but many times these contracts cover only one service line and are an expensive alternative to coverage through your insurance company.

It is important for homeowners to understand this necessary step to take in protecting your home. Adding underground service line protection to your current homeowner’s policy is an effective way to protect yourself from costs relating to excavation, piping and wiring repairs, and landscaping. Reaching out to your independent insurance agent today to ask questions and update your policy will ensure you’re covered where it counts.

 

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Disclaimer: Coverages described herein may not be available in all states. Contact your local independent agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies.

Sources:
1 Grange Insurance - What is underground service line coverage?