What is Service Line coverage in Homeowners Insurance?

Scheduled Payment in Homeowners Insurance?


2. How do the rates of Service Line coverage compare to other home insurance policies?

What is Service Line Coverage in Homeowners Insurance?


Homeowners insurance can cover a variety of damages to your property, including damage to your service lines. Service line coverage compensates you if any of the utility service lines on your property are damaged or destroyed. By having this type of coverage, you can avoid unexpected and expensive repairs.

Types of Service Line Coverage


Service line coverage usually includes the following utility lines:

    • Water lines


    • Gas pipelines


    • Sewer and septic lines


    • Underground electrical lines


    • Telephone and cable lines


This type of coverage applies to damage that is caused by external sources outside of the home. That means if your water line bursts due to a burst pipe, your homeowners insurance policy may not cover the damage. However, if a third party causes the damage, your service line coverage will.

What Does Service Line Coverage Include?


Service line coverage typically includes the following:

    • Repair costs – If your service line needs to be replaced or repaired, your service line coverage will pay for the repairs or replacements.


    • Diagnostic costs – If the damage to your service line is not immediately apparent, your insurance may cover the cost of diagnosing what is wrong.


    • Cleanup costs – If your service line fails and causes a mess, your insurance may cover the cost of cleaning up the mess that it has caused.


    • Material costs – The cost of the materials used to replace or repair your service line may also be covered by your service line coverage.


It is important to note that the exact coverage provided by a service line coverage policy may vary depending on the provider, so it is important to read the policy carefully before deciding to purchase it.

How Much Does Service Line Coverage Cost?


The cost of service line coverage varies by provider and location, but it is typically a relatively low-cost add-on to your homeowners insurance policy. It is important to note that this coverage is usually not included in standard homeowners insurance policies, and you will need to purchase it as an add-on.



Service line coverage is an important part of homeowners insurance and can help cover the cost of repairs or replacements to utility lines on your property. It is important to read your policy carefully to understand what is covered and what is not, and to make sure that you have the coverage you need.

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