Am I covered if one of the service lines to my home is damaged?

A tree root grew through a sewer pipe, causing it to leak.

What type of insurance do I need to cover service line damage?

A standard homeowners insurance policy does not cover damage to service lines like sewer pipes, water lines, and cable/power lines. However, some companies provide an option to purchase this coverage. Acuity offers Service Line Coverage as an endorsement to supplement your home insurance.

What does a Service Line endorsement cover in this situation?

Acuity’s Service Line Coverage protects homeowners if the underground pipes or wiring servicing their home is damaged. It covers the repair costs of damaged service lines when the insured is legally responsible.

How do I check to make sure I have this coverage?

To ensure you have Service Line Coverage, check the declarations page of your insurance policy or contact your independent agent. Acuity offers this coverage with a $10,000 limit and a $500 deductible.

Why is Service Line Coverage important?

Service Line Coverage provides peace of mind by covering unexpected and often expensive repairs not included in standard home insurance policies. Service line damage can lead to significant inconvenience and financial burden if not adequately insured.

Adding this endorsement protects against many potential issues, ensuring prompt repairs and reducing out-of-pocket expenses. Whether it’s a leaking sewer pipe, a severed electrical line, or any other covered damage, Service Line Coverage helps maintain the functionality and safety of your home.

For more information and to add this valuable coverage to your policy, consult an Acuity independent insurance agent today.