You can combine Equipment Breakdown and Service Line coverage for $80 a year. Service Line and Equipment Breakdown coverage are already bundled in our Premier (HO5) policy at no additional cost.
Service Line Coverage
Service line coverage is an optional add-on to most home insurance policies that provides protection against the cost of repairing or replacing damaged utility lines and pipes that run into your home.
This endorsement typically covers up to $10,000 in expenses, which may have a deductible. It is important to note that adding this coverage will increase your insurance premium. The great news is this coverage is included in our Premier (HO5) policy at no additional cost.
Service Line Coverage
Service lines are utility lines and pipes that run into your home, providing everyday services, such as electrical, water, sewer, or communication lines. This coverage insures those pipes and lines, protecting you from incurring expensive repair costs.
We highly recommend adding Service Line coverage with Equipment Breakdown coverage for comprehensive protection. The great news is Service Line coverage is already included in our Premier (HO5) policy at no additional cost. Call your agent or contact us to add this important protection today.
Excavation Costs
Helps to cover the cost of excavation and landscaping, as well as any damage that occurs during the repair process.
Bundle and Get More
Service Line Coverage is only available when you bundle with Equipment Breakdown Coverage for $80 per year. These coverages are already bundled in our Premier (HO5) policy at no additional cost.
Tips + Maintenance
More About Service Line Coverage
If you choose to purchase service line coverage, this endorsement provides coverage for loss or damage to your “covered service line” caused by:
- Wear and tear, marring, deterioration or hidden decay
- Rust or other corrosion
- Mechanical Breakdown, latent defect or inherent vice
- Weight of equipment, animals or people
- Artificial generating electrical current
- Freezing
Typical exclusions to the Service Line endorsement, meaning this endorsement does not provide coverage for loss or damage to:
- Septic systems, including leach fields, septic tanks, pumps, motors, or piping that runs from the septic tank to the leach fields
- Water wells; including pumps or motors
- Heating and cooling systems, including heat pumps
- Irrigation or sprinkler systems
- For more home tips, visit our Security First blog.
Replace HVAC filters regularly.
Change the filter every 1 – 3 months to improve indoor air quality, efficiency, and prolong the lifespan of your HVAC system.
Clean the coils on your fridge.
When these are exposed to a lot of dust, they can wear out the compressor and raise energy bills.
Check for pests.
Check for mice nests and other pests near wiring – such as in A/C units and lawn equipment.
Remove debris.
Remove debris from outside pipes once or twice a year. If you live in a heavily treed area, you should do this on a regular basis.
Frequently Asked Questions
Service Line Coverage
How much does it cost to combine Service Line coverage?
If my home becomes unlivable, are living expenses covered?
Yes. In addition to providing coverage for repairs associated with a service line failure, Service Line coverage extends to the following:
● Reimbursement for temporary living expenses.
● Expediting expenses so you can make immediate repairs.
● Environmental Safety and Efficiency Improvements.
Is Service Line offered as a standalone product?
No. Service Line coverage can only be added to your policy when combined with Equipment Breakdown coverage. These coverages are already bundled in our Premier (HO5) policy at no additional cost.
What does Service Line cover?
The Service Line addition includes coverage for:
● Water, sewer, and drainage pipes.
● Ground loop piping for heat pump.
● Telecommunications wiring.
● Steam piping to heating system.
● Fiber optic cables.
Protect Your Home Today
We stand behind every policy we write, storm after storm, year after year®.
Our simple and convenient quote process makes it easy for you to get started. Take the first step towards protecting your most valuable asset by requesting a quote today.