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Most homeowners are not aware that they own the outdoor sewer and water piping from the street to their house, and are responsible for maintenance and repair costs should something go wrong. The cost of repairing and replacing such equipment can be substantial if you are not prepared.

With Service Line Coverage, we automatically include coverage for the most typical expense up to the limits specified in your 

What's considered a "Service Line"?

Underground Service Lines include the following:

  • electrical lines

These underground electrical lines can arc, leaving you without electricity. 

Underground water piping connecting your home to:

  • a public water supply system or private well, cistern or retention pond
  • a heating system that is located outside the home      
  • underground steam piping that connects from your home to an outdoor heating system
  • ground loop piping that connects to a heat pump
  • underground sewer piping
  • underground drain piping

These lines can leak, break, tear, rupture or collapse, leaving you without water or a way to drain water or sewage.

 

What's covered?

The coverage pays to repair or replace underground service lines, sewer piping and wiring that accidentally break, leak, tear, rupture, collapse or arc.

Under Service Line Coverage, we automatically include coverage for the most typical expenses up to the limits specified in your policy. These automatic extensions of coverage include the following:

Loss of Use - Payment for lodging should your home be made uninhabitable because of damage to the insured equipment
Excavation Costs - Payment for cost of excavation needed to expose damaged underground service lines for repair or replacement        
Expediting Expenses - Payment for cost of  temporary repairs and the expedition of permanent repair or replacement

— Environmental, Safety and Efficiency Improvements - Payment for up to 150%  of what it would have cost to replace it with the same equipment for an equivalent product that is more environmentally friendly, energy/water efficient, or safer to use.

Coverage limits avaliable are $10,000 or $25,000 to meet your needs. 

 

Examples of Losses:

A cast iron sewer line running from the Insured’s house to the city’s main line collapsed.  The ground had to be excavated, the entire pipe had to be replaced with PVC pipe and the Insured had to stay in a hotel while the work was being done.  

The underground waterline running between the city’s main line and the insured’s house froze and burst.   

Invasive tree roots grow around underground services lines and cause the service lines to fail.

To view our Service Line Coverage Brochure, please click here.

 

What is Service Line Coverage, and why is it not covered in my home policy?
Service Lines include water piping connecting your dwelling or detached private structure to a public water supply system or private well, cisterm retention pond, or heating system that is located outside the dwelling or other detached private structure can leak, break, tear, rupture or collapse and electrical lines can arc leaving you without electricity, heat or water or a method to drain water or sewage. The cost to repair or replace underground service lines can be high.

Service Line Coverage is available as an Optional Coverage that you can add to your Home or Condo policy. It iwll pay for Damages to underground service lines that you own resulting from a service line failure.Automatic extensions of coverage include excavation costs, expediting expenses, loss of use and up to 150% of what it would cost to replace with like, kind and quality to replace with materials that are better for the environment, safer or more efficient than the materials being replaced.
Why do I need Service Line Coverage?

Once an underground service line exits your dwelling or detached private structure, your regular Home or Condo insurance policy does not cover it. You may be liable to pay any damages caused by service lines that are still on your property. As an out-of-pocket expense, repairing or replacing underground service lines can be costly.

What does it cover?

Underground service lines include the following:

Underground water piping connecting your dwelling or detached private structure to a 
  • public water supply system or private well,
  • cistern or retention pond
  • heating system that is located outside the dwelling or other detached private structure 
  • underground steam piping that connects from a dwelling or detached private structure to a heating system that is located outside the dwelling or detached private structure
  • ground loop piping that connects to a heat pump
  • underground sewer piping that connects from the dwelling or detached private structure
  • underground drain piping that connects from the dwelling or detached private structure

These lines can leak, break, tear, rupture or collapse leaving you without water or a method to drain water or sewage.  The cost to repair or replace these lines can be costly.

  • Underground electrical lines which can arc leaving you without electricity.

We also automatically extend that coverage to pay for the following up to the limit specified on your policy:

  • Excavation Costs to expose the damaged underground service line so that repairs or replacement can be made
  • Expediting Expenses which pays for cost of temporary repairs and the cost to expedite permanent repairs or permanent replacement
  • Loss of Use which will pay the cost of that hotel room in the event your home is uninhabitable because of the damage to the underground service lines
  • Environmental, Safety and Efficiency Improvements.  We’ll pay up to 150% of what it would cost to replace with like, kind and quality to replace with materials that are better for the environment, safer or more efficient than the materials being replaced 
What's an example of a loss?
  • A cast iron sewer line running from the Insured’s house to the city’s main line collapsed.  The ground had to be excavated, the entire pipe had to be replaced with PVC pipe and the Insured had to stay in a hotel while the work was being done.  
  • The underground waterline running between the city’s main line and the insured’s house froze and burst.   
  • Invasive tree roots grow around underground services lines and cause the service lines to fail.