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Service Line Damaged? As a Homeowner You May Have To Pay

Personal Lines

Many responsibilities are added to your plate as soon as you become a homeowner. On top of a mortgage payment and any remodeling expenses, there is a certain level of maintenance and repair that a homeowner is responsible for once they sign on the dotted line. One responsibility that falls under this category are the curb-to-home service lines that keep your home functioning. The services your home receives from these lines can include:

  • Water
  • Waste/Sewage
  • Steam
  • Underground piping
  • Wiring
  • Devices connecting service to and from the home
  • Public utility provider services such as gas, electric, cable

As a homeowner, it’s important that you have an understanding of the lines of service connected to your home and that you are aware of their condition at any given time. If one of the following situations arises between the curb and the home it is your responsibility to identify it and take the necessary steps to remedy it:

  • Leaks
  • Breaks
  • Tear
  • Rupture
  • Collapse
  • Arcing
  • Mechanical
  • Animal/rodent
  • Tree roots/plant invasion
  • Freezing

Why purchase service line coverage?

The damage to a service line can be costly, and an unexpected incident may create stress and even financial peril for a homeowner. However, insurance carriers have started to provide service line coverage options for your home which can help ensure that you’re protected if a line experiences failure.

  • Service line coverage can range from $10,000 to $15,000 with a $500 deductible, and cost of repairs can include the actual repair to the damaged service, and even land excavation.
  • In some instances, you may have to relocate for a short period of time while services are being repaired. Those living expenses may also be covered by your service line coverage.
  • Some carriers even provide coverage to repair the damaged trees, shrubs, walkways and driveways.

As a homeowner, you are responsible for repairing damage to service lines which extend from the curb to your home to provide you with vital amenities. If a service line stops functioning, it can be detrimental to your lifestyle, health, and your pocketbook. The proper coverage can quell your stress and ensure that you’re covered against damage and costs associated with service interruption. Reach out to your M3 Private Client Group Account Executive to inquire about service line coverage for your home.


Debbie Lukowitz, CPRM, CISR Elite is a Private Client Account Manager II at M3 Insurance. 

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