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Understanding Service Line Coverage | Eagle Insurance

Taking care of your home can be a lot of work, and it often involves a great deal of maintenance and upkeep. As a homeowner, you must be ready to handle unexpected emergencies that may occur at any time. Service line issues can be some of the most stressful situations you can face. These are the lines that connect your home to the underground public utility lines like water, gas, and sewer. A damaged service line can have severe consequences such as sewage backups, water damage, and expensive repairs. To help homeowners deal with these issues, service line coverage was introduced and now some companies offer you the option to add it to your homeowners policy. This post delves deep into what service line coverage entails and how it can help protect your home.


Key Takeaways

  • As the homeowner, you're financially responsible for any utility lines that run through your property.

  • Service line coverage is a homeowners insurance endorsement that reimburses you in the event that a utility line is damage.

  • Service line coverage is one of the best value coverage endorsements.

What is Service Line Coverage?

Service line coverage is an optional form of insurance that helps cover the cost of repairs or replacement of service lines when they get damaged. It is a coverage option that can be added to most standard homeowner’s insurance policies. The service lines covered typically include water supply lines, sewer lines, electrical power lines, and gas lines that run from the main utility lines to the house’s foundation.

What Does Service Line Coverage Provide?

Service line coverage can vary from company to company but it usually will cover costs to repair or replace the lines as well as other related costs like excavation costs, debris removal, and landscaping. Typically, service line coverage only covers the parts of the utility lines and pipes that are underground and connect to public sources. This means that the pipes running through your home and in-ground pools may not be covered. Be sure to review specifics with your agent.

How Much Does Service Line Coverage Cost?

Based on industry estimations, service line coverage can cost an average of $50 to $100 per year on top of your homeowners policy. However, the exact cost of service line coverage or its availability depends on the specific insurance company, so be sure to check with your agent to understand if your carrier offers this coverage.

Some Things to Keep in Mind

It is worth checking with your agent and insurance company to know if your existing homeowner’s insurance policy provides some coverage service line damage. Secondly, always ensure that you understand the policy limits, exclusions, and coverage details before signing up for service line coverage. Ask about deductibles, limits, and caps applicable to the policy.


Protecting your home and investments is essential. Therefore, service line coverage can save you from unexpected and high expenses resulting from damage to your service lines. Service line coverage adds an extra layer of protection to your property’s service lines, giving you peace of mind, knowing that you are prepared to tackle any unforeseen eventualities. Preventive maintenance and proper care should always be the priority but having service line coverage can be an essential safety net in emergencies. Ensure you understand all the details and coverage provided and get the right service line coverage for your home.


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