What is Buried Utility Lines Coverage?

Dec 13, 2020 | Personal Insurance

Buried Utility Lines or Underground Service Lines

Buried Utility Lines Coverage or Underground Service Lines Coverage are the pipes and wires that connect your home to energy companies, cable providers, or municipalities. Every homeowner should realize that they are responsible for the underground service lines that run from the street to their home, including any drain and water pipe, underground communication and electric wires running from the road into their home.

Taking note of every item in your home can help you file your home insurance claims faster after an unfortunate event.

What Protection Comes With Buried Utility Lines Coverage or Underground Service Lines Coverage?

FBuried Utility Lines Coverage protects against accidental loss due to down power lines. It extends coverage to any wiring or piping underground or devices attached to them that connect a home to a private system or public utility service. Damage to such lines usually occurs unexpectedly and fortunately. Basically, this coverage gives protection from failure due to the following:

  • Decay
  • Hidden defects
  • Freeze
  • Collapse
  • Water Lines
  • Septic Systems
  • Sewer Lines
  • Underground Electrical Wiring
  • Fuel Lines (including gas lines)
  • Internet lines
  • Communication Lines
  • Steam Line Piping
  • Drainage
  • Waste Disposal
  • Underground Cable Lines

Homeowner’s insurance policies can protect utility lines or service lines by getting buried utility lines coverage. The cost of repairing or replacing a sewage line damaged by a tree root might range from $3,000 to $4,000. Also, when upgrading equipment, several carriers reward eco-friendly or energy-efficient modifications.

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Covered Types of Service or Utility Line Damage

If the underground utility line breaks on your property, you are accountable for repairing or restoring your service line. As a homeowner, you are financially responsible for virtually anything that happens to and on your property. However, you could be in for thousands of dollars just for repairs out-of-pocket for physical damage you do not even see, and dangers of underground pipes, such as:

  • Rodents
  • Pressure system breakdown
  • Ground freeze
  • Collapse
  • Invasion by tree roots
  • Weight of Equipment, Animals, and People
  • Digging
  • Artificially Generated Electric Currents
  • Lightning strike
  • Corrosion
  • Marring
  • Hidden Decay
  • Mechanical breakdown
  • Landscaping accident
  • Wear and tear
  • Deterioration
  • Rust

Your service line coverage endorsement covers these perils. Covered incidents usually must meet the terms and conditions stated in your policy.

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Homeowner Equipment Breakdown Coverage

Homeowner Equipment Breakdown coverage protects you from the expensive servicing or replacement costs of electrical and mechanical breakdown, breaking, or explosion of home systems and appliances. It covers all your essential home equipment due to mechanical or electrical breakdown loss. The expense to repair or restore these systems is typically as much as the cost of owning equipment.

Covered Home Equipment Includes:

  • Washers and dryers
  • Computers
  • Dishwashers
  • Refrigerators and freezers
  • Ovens and microwaves
  • Garbage disposals
  • Heat pumps
  • Heating and air conditioning systems
  • Electrical service panels
  • Home security systems
  • Water heaters
  • Well water pumps
  • Sump pumps
  • Surround sound systems
  • Swimming pool equipment
  • Televisions

This coverage is an economical way to protect your home’s mechanical appliances and systems. You have to pay your deductible, and we’ll cover the remaining cost.

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What Are Not Covered by Utility Line Coverage?

Each Utility Line Coverage depends on how much coverage you want. Here are some examples of non-covered property line damage:

  • Fuel Tanks
  • Foundation shifts destroying service lines.
  • Pipes in swimming pools, ponds, lakes, etc.
  • HVAC, including heat pumps
  • Pipes supply outdoor water features like beautiful ponds, sprinklers, hot tubs, irrigation systems, swimming pools, etc.
  • Underground pipelines and cables power electric fences, light fixtures, security systems, and more
  • Septic systems include septic tanks, leach fields, pipes and motors that connect them, and pumps.
  • Unconnected wire or piping.
  • Well pumps and motors
  • Stormwater drains
  • Service line obstruction or low pressure is indirect harm.
  • Explosion-damaged lines

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Is It Required?

We strongly recommend this coverage if your insurance carrier offers it. Since it’s a new endorsement, most policies don’t cover it. Consider adding this coverage. Repairing or replacing underground wires is expensive. With the property underground, it’s hard to determine if there are issues. Doing so may eliminate stress and guesswork with this recommendation.

Service line insurance might save you money if you need to repair or replace a line. The insurance limit applies once you pay the deductible. Service line coverage costs roughly $20 yearly.

Get a quote and find the right coverage for your home.
The earlier you review your policy, the more you save on your home insurance.
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Ensure Your Buried Utility Lines Get Coverage

Every state has its differences regarding regulations that are related to insurance policies. Here at Advantage Insurance Solutions, we have the best insurance agents in Denver, Colorado, to help ensure your home is covered— even your buried utility lines!

Call or text us toll-free at 1(720) 221-8168 for a free quote today!

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