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Water Service Line and Sewer Coverage for Your Home

By October 22, 2021Home

When homeowners think about the risks they could face, water and sewer issues are probably not the first things that come to mind. Out of sight and out of mind, the water and sewer lines play an essential role in our daily lives without being given much thought. That is until something goes wrong with one of them and disrupts our lives.

Many people are not aware that their municipality is responsible only for the water and sewer mains in the street. The property owner is responsible for water and sewer line repairs running from their property to the main line. And most homeowners insurance policies do not cover the costs to repair the water and sewer service lines.

When a service line interruption occurs, you might have to come up with thousands of dollars to repair or replace the line. However, if you had purchased relatively inexpensive service line coverage, you would only be responsible for the policy’s deductible.

Here is what you should know:

What is service line coverage?

Service line coverage goes beyond the standard homeowners policy, providing water and sewer line insurance to and from your property. This protection could save you hundreds or thousands of dollars out-of-pocket if something went wrong with either of these service lines.

Do I need service line coverage?

As a homeowner, you are usually financially responsible for the service lines on your property. Consider this example: a tree root grows and breaks through the sewer pipe running through your property, causing a leak. You may have to hire someone with the right equipment to dig up and replace the pipe. While there is no need to get into specific costs, you can imagine that hiring professionals with expensive equipment is never cheap.

What does water and sewer line insurance cover?

Service line coverage is provided for underground water and sewer pipes and, in some cases, for other utilities. Service lines that are not underground will most likely not be covered by a water and sewer line insurance policy. Here is a list of incidents usually covered by service line coverage:

  • Burst pipe from wear and tear
  • Pipe damage from tree root
  • Pipe collapse
  • Corrosion and deterioration
  • Hidden defects
  • Blockages
  • Freezing

What causes damage to underground service lines?

You probably wonder why you would need sewer line insurance since these sturdy pipes are seemingly safely buried several feet below the surface. However, many of the issues with sewer and water service lines develop over several years before failing.

The following list explains why problems eventually manifest:

  • Rust and corrosion: Iron and steel sewer lines often oxidize and rust over the years, developing holes from which fluid can leak.
  • Root and tree encroachment: Trees in the area can send out small tendrils of roots to invade tiny crevices in the pipe, eventually cracking them open as the roots grow.
  • Frost heave and line freezing: As the temperatures fall, rainwater that saturated the soil can freeze. As the ice expands, sewer lines tend to “heave” upwards. Buried pipes can sustain considerable damage when this happens.
  • Line collapse caused by something above ground: For instance, if a large, heavy tree falls onto your front yard, the force of it could break buried sewer lines. The weight of heavy equipment or moving vans parked on the grass can also damage or these lines.

How much does service line coverage cost?

The cost of service line insurance is modest compared to repairing or replacing a damaged line. After paying the deductible, you’ll usually be covered up to your policy limit. Service line coverage typically runs between $20 and $50 annually.

Would you like to hear more about water and sewer line insurance?

Just as you protect your property with the finest homeowners insurance, you should do the same with the service lines. Talk to the professional insurance advisors at White Cloud Insurance. They are here to help you choose the proper coverage. Use the convenient contact form, call us at 305-556-1488, or send us a message at