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!