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What Is Service Line Coverage?

Published on July 27, 2018   Insurance Tips

Service line coverage is a newer coverage that will pay for the repair or replacement of exterior underground water and sewer piping, electrical service lines and data lines that fail or are accidentally broken and that are owned by the homeowner.

Often homeowners don’t realize that the outdoor service lines between their home and the street are owned by them. This coverage will fill the gap in the coverage in your homeowners policy which typically will exclude this coverage. As a homeowner you are responsible for the maintenance of the service lines on your property in the event that they fail.

A service line failure is physical damage that results in a leak, break, tear, rupture or collapse of a pipe or line. Physical damage can be caused by external events such as accidental breakage or environmental conditions such as root invasion, deterioration, freezing and electrical arcing.

Service line coverage will pay for each service line failure incident. The coverage can also pay for hotels, meals, rent, or other living expenses when a family must leave their residence because of a covered loss, or for generators and other temporary equipment needed to remain in their home. In addition, it covers damage to outside property, including trees, shrubs, sidewalks, decks and landscaping when caused by a service line failure.

Many of our insurance partners are offering this coverage, if you don’t have it on your policy it would be something to strongly consider. This coverage generally costs between $35 - $50 per year and coverage is available for either a $10,000 or $25,000 limit.

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