Service Line Coverage for Homeowners

Home Insurance Add-On

Helps pay to fix damaged underground service lines
Insure sewer pipes, water lines and power lines

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What does service line insurance cover?

Service lines bring water and power to homes, and they can take sewage away. Service line insurance is an optional coverage that helps pay for repairs and replacement.

How Service Line Coverage Protects You

Maintaining service lines isn’t just a homeowner’s responsibility. It’s key to keeping your home habitable. Here are some potential situations where having service line coverage could help.

Did you know?

A majority of Americans don’t know that homeowners are responsible for service lines on their property.** This optional coverage can help you be prepared.

Frost Heave and Line Freezing

Rainwater collected in soil can freeze in icy weather. This event can shift the ground, causing sewer lines to “heave” upwards and possibly become damaged. Sewer line insurance can cover repairs for these types of extreme weather conditions.

Corrosion and Rust

Over time, iron and steel-based sewer lines can oxidize and corrode. Small holes develop and fluid can leak out, further damaging the pipe. The standard service line policy may cover these cases.

Root and Tree Invasion

Active leaks in sewer lines may attract nearby tree roots. Outgrowths can infiltrate tiny crevices in pipes, then crack them as they grow and expand. The standard service line policy may help with sealing these entry points.

Frequently Asked Questions

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*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

**Tenth Edition of Biannual State of the Home Survey Finds HVAC and Toilets Source of Most Common Home Repairs, HomeServe USA, https://www.homeserve.com/media/biannual-state-of-the-home-survey-spring-2020 (last visited July 18, 2023), [https://perma.cc/4YHW-8XQV].

***How Much Does Sewer Line Repair and Replacement Cost in 2023?, Forbes Home, https://www.forbes.com/home-improvement/plumbing/sewer-line-repair-replace-cost/ (last visited July 18, 2023), [https://perma.cc/V2FN-ZW7N].

Facts + Statistics: Homeowners and renters insurance, Insurance Information Institute, https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance/ (last visited April 6, 2023), [https://perma.cc/79S7-E34T].