What is Services Line Coverage?

What is Services Line Coverage

Should you consider services line coverage for your home?

Most homeowners don’t realize they are responsible for repairing or replacing the underground piping and wiring located on their property if damaged. The cost of repairing or replacing underground service lines is costly and not covered by most homeowners policies. Losses can easily total $3,500 or more when considering repairs, excavation and damage to outdoor property.

What is service line coverage?

Service Line Coverage provides payment for physical damage to covered service lines that is the direct result of a service line failure. Covered service lines are the underground piping or wiring located on your property, for which you are legally liable for repair or replacement.

What is considered a covered service line?

Covered service lines include underground:

  • Water piping that connects the dwelling or other structures to a public water supply system; private well system; cistern or retention pond; or heating system located outside the dwelling.
  • Sewer piping that connects the dwelling or other structures to a public sewer system or private septic system.
  • Power lines or electrical wiring.
  • Drain piping that drains water away from the dwelling or other structure.
  • Ground loop piping that connects to a heat pump.
  • Communication or data-transmission wiring.

What is considered a service line failure?

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

To get started on securing your quality policy in Elmira, New York, contact the independent insurance professionals Perry & Carroll.