• Vincent Fuccilli

Service Lines Coverage


Man holding pipe

Did you know a homeowner is responsible for repair or replacement to the service lines on their property?


Service Line Coverage Endorsement


Service Line Coverage provides for the repair or replacement of underground systems that service the household, such as sewer lines, plumbing, electricity, natural gas, as well as telecommunications and internet access. Service line coverage also includes the cost to replace landscaping, concrete work, and anything necessary to access the underground systems and restore the property to its pre-loss condition. Most carriers usually offer coverage limits of $10,000 or $15,000. Some carriers may even offer higher coverage limits.


What Does It Cover


  • Damage to an underground service line

  • Costs required to replace or repair an underground service line

  • Water Service

  • Waste Disposal

  • Natural Gas lines

  • Underground electrical or phone wiring

  • Landscaping or concrete demolition and repair to access the underground service

Loss Example


Example: A tree root grew through a sewer line located on a homeowner's property. The line required excavation to dig up the pipe and replace it. The cost to replace the line was $2,000 and the excavation of the line cost $6,500.


The annual premium to include this coverage is usually significantly lower than what’s available from the sewer or other utility companies. Contact an agent today to learn more.

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"Disclaimer: The content contained in this blog is for informational purposes only. It should not be considered insurance advice since every client's needs and circumstances are different.. Bergen Insurance Group, LLC makes no representation as to accuracy, completeness, currentness, suitability, or validity of any information on this site and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All statements represent the sole opinion of the author and is provided on an as-is basis. For an actual description of all coverages, terms and conditions, refer to your insurance policy.”

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