{"id":52211,"date":"2025-02-26T15:37:37","date_gmt":"2025-02-26T20:37:37","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=52211"},"modified":"2025-12-12T14:14:46","modified_gmt":"2025-12-12T19:14:46","slug":"what-is-service-line-coverage-on-home-insurance","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/what-is-service-line-coverage-on-home-insurance","title":{"rendered":"What is service line coverage on home insurance"},"content":{"rendered":"\n<a id=\"back-to-top\"><\/a>\n\n\n\n<p>As a homeowner, you are responsible for the underground service lines that connect you to the outside world. From water and gas pipes to cable and power lines, these utilities can be expensive to replace if they get damaged. That\u2019s why there\u2019s <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/coverage-policy-options\/utility-service-line\">service line coverage<\/a>. You may wonder, what is service line coverage on <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\">home insurance<\/a>? Let us explain.<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Table of contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#what\">What is a service line<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#what2\">What is service line coverage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#how\">How does a service line get damaged<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#should\">Should I get service line coverage<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"what\"><\/a><h2 style=\"margin-bottom:0px; margin-top:20px;\">What is a service line<\/h2>\n\n\n\n<p>Underground service lines are crucial to the everyday function of your home, yet many homeowners don\u2019t know what they are or how they work. These pipes and lines connect you to the outside world by transporting gas, electric, water, sewer, cable and more to and from your house.<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Types of Service Lines<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Water pipes<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Gas lines<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Heating pipes<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Sewer pipes<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Electric power lines<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Cable and Internet lines<\/span><\/li><\/ul><\/div>\n\n\n\n<p>Chances are you have several of these service lines running under the ground from your property to the street. Like other things, these pipes and wires can get damaged due to wear and tear and other causes. If that happens, not only would your daily routines be disrupted, but it could result in costly repairs.<\/p>\n\n\n\n<p>Furthermore, you would be responsible for paying for the repairs, as standard home insurance policies don\u2019t cover damage to service lines on your property. This is why you need to add service line coverage to your policy.<\/p>\n\n\n\n<a id=\"what2\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">What is service line coverage <\/h2>\n\n\n\n<p>Most <a href=\"https:\/\/www.plymouthrock.com\/resources\/compare-home-insurance-quotes\">home insurance companies<\/a> offer service line coverage as an optional endorsement that you can add to your homeowner&#8217;s insurance policy. It protects you against the cost of repairing or replacing underground utility lines that run from the street to your home. Examples include water pipes, sewer lines, electrical wires and gas lines.<\/p>\n\n\n\n<p>Even though they are located underground, these service lines can still leak, break, tear, rupture or collapse due to a variety of causes. Some of these causes include general wear and tear, corrosion, <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage\">tree roots<\/a> and <a href=\"https:\/\/www.plymouthrock.com\/resources\/ice-dam-prevention\">freezing<\/a>.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>What does service line coverage typically cover?<\/strong><\/h3>\n\n\n\n<p>Service line coverage can protect you from significant out-of-pocket expenses related to repairing damaged service lines. Check with your insurance company to find out exactly what the coverage will and won\u2019t cover. Generally speaking, though, here are some things that your service line coverage could pay for:<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"52192\" class=\"elementor elementor-52192\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-643c634 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"643c634\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-617a45c\" data-id=\"617a45c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e96f34 resource-slider elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-pagination-position-inside elementor-widget elementor-widget-slides\" data-id=\"6e96f34\" data-element_type=\"widget\" data-settings=\"{&quot;autoplay_speed&quot;:13000,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\" dir=\"ltr\" data-animation=\"fadeInRight\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-0f41a20 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Finding the Lines<\/div><div class=\"elementor-slide-description\">It could pay for the excavation needed to access the damaged lines<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-eb3115f swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Replacing the Lines<\/div><div class=\"elementor-slide-description\">Service line coverage could pay to replace the damaged pipes and wires with new material<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-adc1685 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Restoring the Landscaping<\/div><div class=\"elementor-slide-description\">Your coverage could cover the cost to restore the landscaping that was disturbed during repairs<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-ac614af swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Staying in a Hotel<\/div><div class=\"elementor-slide-description\">It could pay you to stay in a hotel if your home is uninhabitable during repairs<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>What is typically not covered by service line coverage?<\/strong><\/h3>\n\n\n\n<p>Here are some things that typically aren\u2019t covered by service line coverage:<\/p>\n\n\n\n<ul><li>Damage caused by homeowners<\/li><li>Known issues with utility lines<\/li><li>Septic systems<\/li><li>Fuel tanks<\/li><li>Piping or wiring that isn\u2019t connected and ready for use<\/li><li>Piping or wiring that runs through a body of water<\/li><\/ul>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Can I replace the service line materials with more environmentally friendly materials?<\/strong><\/h3>\n\n\n\n<p>It all depends on your insurance company. If a service line needs replacing due to a covered failure, some insurance companies may offer extra coverage to replace your old service line with more efficient or <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/coverage-policy-options\/green-upgrades\">environmentally friendly technology<\/a>. Check with your carrier to be sure.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:5px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"how\"><\/a><h2 style=\"margin-bottom:0px; margin-top:10px;\">How does a service line get damaged <\/h2>\n\n\n\n<p>Believe it or not, there are many ways that wires and pipes buried beneath your yard can get damaged. Here are some common examples:<\/p>\n\n\n\n<ul style=\"margin-bottom:15px;\"><li><strong>Frost Heave and Line Freezing<\/strong> \u2013 Rainwater that collects in the soil can freeze in icy weather. This can shift the ground, causing sewer lines to heave upwards and possibly become damaged.<\/li><li><strong>Corrosion and Rust<\/strong> \u2013 Over time, iron and steel-based sewer lines can oxidize and corrode. Small holes develop and fluid can leak out, further damaging the pipe.<\/li><li><strong>Root and Tree Invasion<\/strong> \u2013 Pressure from nearby tree roots can collapse the water line between your home and the city\u2019s water main. Also, roots can penetrate tiny crevices in pipes, then crack them as they grow.<\/li><\/ul>\n\n\n\n<p>As a homeowner, you would be responsible for paying for the repairs in each of these cases\u2014assuming the broken pipe is on your property. Fortunately, <a href=\"\/resources\/how-to-prevent-home-flooding#other\">optional sewer line insurance<\/a> can help cover the costs.<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Examples of Damage<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Wear and tear<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Rust, corrosion and decay<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Tree or root-caused damage<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Rodent damage<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Collapse from aboveground weight<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Freezing or frost heave<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Landscaping accidents<\/span><\/li><\/ul><\/div>\n\n\n\n<div style=\"width:100%; text-align:right; padding:5px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"should\"><\/a><h2 style=\"margin-bottom:0px; margin-top:10px;\">Should I get service line coverage <\/h2>\n\n\n\n<p>Service line coverage isn\u2019t mandatory, so it\u2019s your choice whether you add it to your homeowners insurance policy.<\/p>\n\n\n\n<div style=\"border:1px solid #0092D2; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px; font-size:1.125rem;\"><tr><td style=\"background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:50%;\"><strong>Service Line Coverage Could Be Helpful If&#8230;<\/strong><\/td><td style=\"background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:50%;\"><strong>Service Line Coverage Could Be Less Helpful If&#8230;<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; width:50%; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">You live in an older home with aging utility lines <\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: width:50%; left; vertical-align:top;\">Your home is new<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; width:50%; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Your property is surrounded by large trees with roots that could reach underground pipes<\/td><td style=\"background-color:#fff; width:50%; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">You live in a rural area without connections to many municipal utilities \u00a0<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; width:50%; text-align: left;\">Paying a little more for extra coverage gives you peace of mind \u00a0<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; width:50%;\">You&#8217;re comfortable enough financially to cover an unexpected expense<\/td><\/tr>\n\n\n<\/table><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>How much do utility line repairs cost?<\/strong><\/h3>\n\n\n\n<p>No two utility line repair projects are the same. Some may cost hundreds of dollars to fix, while others could cost thousands. The amount will vary depending on the severity of the problem. Keep in mind that the extent of damage can also determine how long you\u2019re left without water, gas or electricity.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>What is the deductible for service line coverage?<\/strong><\/h3>\n\n\n\n<p>Service line coverage usually comes with a $500 <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-is-a-good-deductible-for-home-insurance\">deductible<\/a>. This is the amount of a claim you\u2019ll have to pay out of pocket, before your insuance coverage kicks in.<\/p>\n\n\n\n<p>For example, let\u2019s say a heavy truck parks on your lawn, accidentally crushing an underground sewer line. Replacing it will cost $4,000. After subtracting your $500 deductible, your insurance company would pay the remaining $3,500 for a covered claim.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>How much does underground service line coverage cost?<\/strong><\/h3>\n\n\n\n<p>Service line coverage typically costs between $20 and $50 per year, depending upon your insurance carrier.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home insurance doesn\u2019t cover the underground service lines that run beneath your property. If they get damaged, you\u2019re responsible for fixing them. Thankfully, you can protect yourself by adding service line coverage to your home insurance policy.<\/p>\n","protected":false},"author":6,"featured_media":52188,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[],"class_list":["post-52211","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is service line coverage on home insurance | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"Home insurance doesn\u2019t cover the underground service lines that run beneath your property. 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