Why You Need Service Line Coverage

February 20, 2020

We rely on our service lines for access to water, electricity, gas, Internet connection, and more, but we only think about them when service is interrupted. When that happens, you may be surprised by what your basic homeowners policy covers, and what it doesn’t.

Did you know that, as a homeowner, you are responsible for the maintenance, repair, and replacement of service lines connecting to your house? Energy companies are only responsible for the infrastructure up to where it connects to your property. If your pipe freezes or your sewer line backs up, you are responsible for the, often expensive, repairs.

How Service Line Coverage Protects Your Home

Service line coverage protects you from damages that occur to your service lines running from the point of connection to the main service or utility line up to your home. Covered lines include:

• Water
• Waste disposal
• Electrical power
• Drainage
• Compressed air
• Communications
• Heating