Home Service Line Insurance

One thing you may not have known you were responsible for as a homeowner is all of the utility and service lines on your property. This includes the watermain, electrical lines, sewer lines, and cable and internet connections. 

Coverage for this important equipment on your property is often optional to include, or add to your home insurance policy.  

Our experienced Specialists are happy to help make things easier by helping you look critically at what your home insurance policy covers and adjusting your coverage to fill in the gaps where needed.

To get the best price and the right coverage, we’ll need some basic information about you and where you live. It’s okay, they’re not super hard questions or anything. Questions may include:

• When would you need your coverage to start?

• Where is your home located?

• What is the age of your home? 

• What is your insurance and claim history?

While we don’t often think about the service lines that provide our water, electricity, internet, cable, and sewer connections, it can be very expensive to have these things replaced if something goes wrong. Over time, your lines can get damaged by corrosion, storms, tree roots, or equipment. The good news is that there is the option to include service line insurance as part of your home insurance policy to help cover the costs of damages and repairs. This coverage can include:

Excavation

The cost of excavation needed to expose damaged underground service lines for repair.

Loss of Use

Additional living expenses if you can’t live in your home because of damage to a service line.

Repair Expenses

The cost to make repairs to non-functional service lines.

Outdoor Property

Outdoor property such as trees, plants, shrubs, walkways and driveways damaged due to a service line failure.

Like we said, shopping for insurance is not fun. So think of us as your insurance partner. We’ll do everything we can to make getting the right coverage as smooth, simple and painless as possible. We know every insurance situation is unique, so we know the important questions and will learn about you to make sure your policy gives you the protection you need.

We’ll also cut through the industry jargon to make sure you understand your policy, and help you navigate optional coverages to recommend additional options you may want or need. 

With home service line insurance especially, there are a lot of options, and it can be overwhelming to research. An insurance broker will help you build the right policy for your situation. As your needs change, your broker will also help you update your policy, so you stay covered.

An insurance Specialist is also aware of discounts offered by insurance companies and can recommend combining products to save you time and money. In fact, some insurance companies and their products are only available through an insurance broker. Bottom line? We can save you money too.

If you need to file a claim, it’s okay, don’t worry, we’ll do it with you. We know accidents and claims happen, we’ve seen and heard it all. As your insurance partner and advocate, we will help you through it. Call us at 1-833-745-0299 and we’ll be here to help you navigate the situation, 24/7.