Why Service Line Coverage is Necessary

​We use service lines every day and will probably be using them for the rest of our lives, and yet we all tend to take them for granted. We are entirely reliable on service lines for our gas, water, internet access, electricity, and many others. Still, they only come to our minds when the services they provide suddenly get interrupted or serve inadequately. Often times it’s not until that happens that you realize the coverage of your basic homeowner's policy, and what it lacks.

Homeowner Responsibilities
Additional responsibilities as a homeowner are repair, maintenance, and service line replacement that is connected to your house. Most service providers such as energy companies carry the burden of connection of the infrastructures to your property, which means that if the sewer line suddenly backs into your house, or your pipe unfortunately freezes, you'll have to pay for additional repairs.

Sample Situation
A mature tree's roots are growing in front of your house near the sidewalk has penetrated the main water line of your home. What started as an unnoticeable and miniscule crack eventually expanded, which led to a ruptured pipe. In patching the leak, the only option is to dig your yard and have the tube replaced. The bigger the mess, the higher the expenses – which can cost up to $5,000 or more.

However, if you have coverage for service lines, it can save you the extra costs, such as the new pipe, excavation, labor, and expenses of any damaged outdoor property that resulted from the leak. It makes it a better option compared to paying the full bill out of your own wallet.

How Service Line Coverage Protects Your Home
What service line coverage protects you from are the damages and the losses that may happen to your service lines. It geneally includes the connection point from the main utility service line up to your home. The line types include electrical power, water, drainage, waste disposal, compressed air, heating, and communications.

The losses that are covered typically include, but are not limited to; these issues are rust and corrosion, wear and tear, freezing, mechanical breakdown, and invasion of tree or roots.

Other than the benefits mentioned above, it also brings you peace of mind by costing only a few dollars every month. If you find the topic of service line coverage interesting, you can discuss it with your homeowner's insurance agent.

At All Things Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies that can include coverage for items like your service lines. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (763) 645-5450 or Click Here to request a free quote.