🚧 Underground Service Line Coverage
What It Does:
This coverage helps pay to repair or replace damaged underground utility lines that run between your house and the street — something most standard home insurance policies do not cover.
✅ What’s Covered
- Water pipes
- Sewer lines
- Power lines
- Internet/cable wiring
- Natural gas lines
It covers:
- Excavation and repair
- Landscape restoration
- Temporary repairs
- Damage caused by:
- Wear and tear
- Corrosion or rust
- Mechanical breakdown
- Tree root intrusion
- Freezing or collapse
🚫 What’s Not Covered
- Lines you don’t own (e.g., city-owned)
- Damage caused by negligence or improper installation
- Above-ground lines or connections
💡 Real-Life Example
A tree root cracks your buried sewer pipe, causing backups and a foul odor. This coverage pays to dig up, repair, and replace the pipe, and restore your lawn afterward.
💵 Coverage Limit:
- $10,000 under Plus
- $25,000 under Select