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Sewer and Water Line Insurance

Service Line Coverage

A lot goes on behind the scenes to keep your home working and connected to the outside world. And while you might not think about your home’s underground utility lines — like water lines, sewer pipes and power lines — they play a major role in your day-to-day life. You’re often responsible for fixing these items when they break down, even when your city or town provides these services to you. And when they breakdown, repairs can get expensive in a hurry!

But at American Family Insurance, we’re here to help! Our service line coverage is a simple and affordable way to protect yourself from the high costs of service line failures. Let’s find out more about this coverage.

What Is Service Line Coverage?

Let’s say a tree root grew through your sewer pipe on your property and it caused a leak. You’d need to hire a professional to dig up and replace the pipe. And depending on how long the pipe is, you could be looking at thousands of dollars out of pocket for repairs. That’s where we’d step in to help.

At American Family Insurance, service line coverage helps pay for the cost to repair or replace damaged service lines up to $10,000 per incident once a $500 deductible is met.

Another great benefit to this coverage? If your home becomes uninhabitable due to a service line failure, we’ll cover the cost of a hotel stay while you wait to have the damages cleaned up and repairs finished.

What Does Service Line Insurance Cover?

Coverage is provided for underground piping or wiring that provides the following services to your premises: electrical power, heating, natural gas, waste disposal, compressed air, water, steam, internet access, telecommunications services, wide area networks or data transmission. However, service lines that aren’t underground aren’t covered by this endorsement. Here’s a list of occurrences covered by service line coverage:

  • Wear and tear
  • Rust, corrosion, decay & deterioration
  • Hidden or latent defect
  • Freeze
  • Collapse
  • Electrical breakdown
  • Mechanical breakdown
  • Pressure system breakdown

Sewer Line Insurance

The sewer line from the city sewer main to the residence collapses due to deterioration. The cost to excavate, repair the sewer line and backfill may be covered.

Water Line Insurance

The water supply line between the city water main and home bursts due to freezing. The cost to excavate, repair the water supply line and backfill may be covered.

Power Line Insurance

An underground power line providing electrical service to your home significantly deteriorated over time and resulted in arcing. The cost to excavate and replace the underground power line may be covered.

Do You Need Water, Sewer and Power Line Insurance?

Considering the high costs related to these types of repairs, it’s a smart choice to add this coverage to your policy. And it’s affordable! In fact, it’s often less than a meal out with the family each time your policy is up for renewal.

Learn More About Your Service Line Coverage Options

Want to learn more or decide if this coverage is right for you? Connect with your American Family Insurance agent today and they’ll help you add this affordable, comprehensive and simple coverage to your policy.