Service Line Coverage

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Service line coverage is an optional endorsement available in homeowners’ insurance policies.  It is designed to protect homeowners from significant expenses related to the repair or replacement of underground utility lines on their property. This coverage typically includes protection for water, sewer, electricity, and cable lines. It helps to cover costs for excavation, labor, parts, and the restoration of any landscaping that may be affected by these repairs. Since the cost of these repairs can reach thousands of dollars, service line coverage is an essential financial safeguard for homeowners.

What Service Line Coverage Typically Includes
  • Types of Lines: Covers various utility lines, such as water, sewer, drainage, electricity, and internet/cable.
  • Causes of Damage: Addresses issues like wear and tear, corrosion, freezing, external force from excavation, and root invasion.
  • Costs Covered: Pays for excavation to locate the break, the labor and parts needed for repairs, and the restoration of your property, including landscaping.
  • Loss of Use: May cover temporary living expenses if you need to move out of your home due to a major service outage.
Why You Might Need It
  • Homeowner Responsibility: Underground service lines on your property are usually the homeowner’s responsibility to repair, not the utility company’s.
  • High Repair Costs: Excavating and repairing these underground lines can be costly, potentially incurring thousands of dollars in expenses.
  • Financial Protection: Service line coverage serves as a vital financial safety net. It shields homeowners from unexpected, high-cost repairs that could significantly impact their finances.

The cost of adding service line coverage is often low and depends on the following factors:

  • Coverage limit: The higher the coverage limit you choose (e.g., $25,000 vs. $10,000), the higher the premium will be.
  • Deductible: The deductible for this coverage is typically $500 per occurrence.
  • Insurance company and location: The specific rates can vary by the insurance carrier and by your location.
  • Underlying risk: Your specific home and its proximity to utilities can also affect the price.

Homeowners are encouraged to contact Cleary Insurance for a personalized service line quote. Having an insurance policy that covers all necessary protections can provide peace of mind and financial security in the event of unforeseen circumstances.