---
title: Why Service Line Coverage Is a Must-Have on Your Homeowners Policy
---

# Why Service Line Coverage Is a Must-Have on Your Homeowners Policy

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## Why Service Line Coverage Is a Must-Have on Your Homeowners Policy

- Posted on Saturday, March 15, 2025

Most homeowners don’t think about the **underground pipes and wires** running from their house to the street—until something goes wrong. **Water, sewer, gas, electrical, and internet lines** are all critical to your home, but **if they break, it’s your responsibility to fix them** —not the city’s.

That’s where **Service Line Coverage** comes in. It helps cover **costly repairs and replacements** to these buried utility lines, which are **not covered under a standard homeowners policy**.

### **What Is Service Line Coverage?**

Service Line Coverage provides protection for **underground utility lines** that fail due to:

✅ **Tree root damage** – Roots can invade pipes, causing blockages or breaks.
✅ **Freezing and ground shifts** – Extreme weather can crack water and sewer lines.
✅ **Accidental digging** – Construction work or landscaping projects can damage buried lines.
✅ **Rodent damage** – Some pests chew through electrical and communication cables.

### **What Does It Cover?**

🔹 **Water & Sewer Lines** – Covers repairs for **leaking, clogged, or broken pipes** running from your house to the main connection.
🔹 **Gas & Electrical Lines** – If your **power or gas lines fail** , this coverage pays for repairs.
🔹 **Internet & Cable Wiring** – Damaged underground fiber optic or phone lines are included.
🔹 **Excavation & Restoration** – Pays for **digging up and replacing** the damaged lines, including **landscaping costs**.

### **Why Is Service Line Coverage Important?**

🚧 **Repairs Are Expensive** – Fixing a broken sewer or water line can cost **$3,000 to $10,000** or more.
🚧 **Most Homeowners Policies Don’t Cover It** – Standard policies exclude **underground service line damage**.
🚧 **It’s an Affordable Add-On** – Service Line Coverage typically costs **a few dollars a month** , providing **thousands in protection**.

### **Real-Life Example**

A homeowner noticed their water pressure dropping and their yard developing a **large wet spot**. A plumber confirmed a **water line break** caused by tree roots.

💰 **Total cost to dig, replace, and restore landscaping: $7,500**
✅ **Service Line Coverage paid the full amount (minus deductible)**

Without this coverage, the homeowner would have been **out thousands of dollars**!

### **Protect Your Home Before It’s Too Late**

At **Rathbun Insurance** , we want to make sure **your policy covers what truly matters**. Since **not all insurance carriers offer Service Line Coverage** , it’s important to check your options.

📞 **Call us today** to review your policy and add this essential protection!

## Insurance Proposal

Give us some info and we'll help you find the best coverage options.

[Get Started](/insurance-proposal)

**Request your insurance proposal online or contact our office to find out how we can help you find a policy that fits your needs.**

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