Key takeaways
- Exterior service lines, including water, sewer, natural gas, and electrical power, are typically excluded from a standard homeowners policy.
- Your homeowners policy is built to cover the home itself, not underground lines running across your yard.
- Homeowners are usually responsible for the portion of the line on their property, which can mean excavation and restoration costs.
- Service line coverage is an inexpensive endorsement that addresses failure, repair, and the landscaping disturbed to reach the line.
- Utility-marketed programs are not the only option. Capitol Benefits can compare an endorsement on your existing DMV policy.
A large rock abuts an underground sewer line directly under the insured’s sidewalk prior to entering the home. Years of wear mar the pipe and cause leakage requiring excavation and replacement of the pipe.
Total covered loss: $10,000
The underground water pipe from the street to the house exterior cracked as a result of freezing and subsequent thawing. Emergency repairs were performed due to the temperature and final repairs completed later.
Total covered loss: $9,500
The natural gas line to the house was damaged during excavation by a contractor. After contacting the gas company, the insured learned that the repair costs were his responsibility.
Total covered loss: $4,500
The homeowners discovered the electricity was out in the pool cabana and outdoor patio lighting was not working. The underground electrical wiring running between the house, outdoor patio and the pool cabana was found to be corroded. Part of the pool patio was damaged during excavation and required repairs as well.
Total covered loss: $3,800
Frequently Asked Questions
What is service line coverage?
An endorsement that covers the cost to repair or replace a failed exterior underground service line on your property, such as water, sewer, gas, or electrical, plus excavation and restoration.
Is service line failure covered by standard homeowners insurance?
Generally no. Standard policies exclude exterior underground service lines, which is why the coverage is added by endorsement.
Who is responsible for the service line on my property?
In most cases the homeowner is responsible for the portion running from the utility connection onto and across their property, including the cost of digging to reach it.
Should I buy coverage from my utility or through my insurance?
Compare both. An endorsement on your existing homeowners policy is often less expensive and simpler to claim against than a separate utility program. Your agent can price it.
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