Service Line Breakdown Coverage

Service line failure can lead to unexpected losses that you may not be prepared for. These losses are not typically covered under a standard homeowner’s insurance policy. Homeowners insurance can help cover some of the costs, but the coverage does not include service lines in most cases. So, what’s the best option? Consider adding Service Line Breakdown coverage to your homeowner’s policy.


What is Service Line Breakdown Coverage?

Service Line coverage provides the policyholder protection for damage to underground piping, wiring, valves, or attached devices that connect a home to a public utility service provider or a private system.

What are some things that this policy would cover?

This policy may seem a little tricky to understand. Here’s an example of why you would need a service line breakdown policy. Say there’s a particularly cold winter night, and the pipe connecting the public water pipe from the street to your home bursts. Depending on your service line breakdown policy, you could be covered for the cost of replacing the pipe plus the damage you incurred because of it. This scenario is just one example but imagine all the unforeseeable possibilities where this coverage would be a lifesaver.

What does this kind of coverage include?

When you purchase service line breakdown coverage, you’ll have protection for:

  • Damage to your service line because of a service failure
  • Costs to make temporary repairs
  • Outdoor property damage from the result of a service line failure
  • Additional living expenses and fair rental value if necessary

Ask your insurance agent for more details regarding your policy and coverage.

Is service line breakdown coverage something you need to add to your homeowner’s insurance policy? Or maybe you’re not sure if it’s necessary? We can help you figure it out! Give us a call and we’ll make sure you have all the coverage you need.