Are Service Lines Covered Under My Home Insurance?

Service lines

Did you know that damage to your house’s service lines is not typically covered by homeowners insurance? This includes:

  • Water lines
  • Sewer
  • Electric
  • Natural Gas
  • Cable TV
  • Internet
  • Fiber Optics
  • And Others

While these items are buried, and you might not think they are susceptible to damage, you would be wrong. Damage to underground service lines happens more often than you might think. This can happen when digging footings for an addition to your home or when planting a tree. Damage can also occur due to rust or decay, tree roots, freezing, the weight of equipment or vehicles, collapse, or drought.

The good news is that we can provide coverage for expensive damage with a Service Line Endorsement. Keep in mind that this endorsement is not available from all companies, and coverage and limits available vary. If you are interested in learning more about this coverage, give us a call.