Insurance FAQ’s: What is underground service line coverage?

Insurance FAQ’s: What is underground service line coverage?

Water, gas and electric lines all run under your home. Did you know…homeowners are legally responsible for maintaining service lines from their home to the property line? If you experience any damage on your property, you are responsible for the cost of repairs – which can be expensive! According to HomeAdvisor, the average cost to repair a sewer main is $2,500, while a full sewer line replacement can run anywhere from $3,000 to $25,000!

It’s important to know, service line damage is not included in most standard homeowners policies.

Adding an underground service line endorsement to your homeowners policy is a smart way to protect yourself from very expensive repairs.

What kind of damage is covered by underground service line coverage?

  • Rust, corrosion, deterioration and wear and tear.
  • Damage due to freezing, trees/roots, insects and rodents, weight from cars/people/equipment
  • Mechanical or electrical malfunction

What if I damage the service line while digging on my property?

Good news! Coverage would still apply even if you were the one to accidentally damage the service line on your property. 

underground service line coverage

Interested in adding Underground Service Line coverage to your home policy? Give us a call at 540.334.4225.

Holley Insurance team

A little more about Holley Insurance…

Holley Insurance was founded in 2000, and retains a core base of loyal clients. We have locations in Roanoke, Rocky Mount, and Forest, VA. As an independent insurance agency, Holley Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price. Holley Insurance was named “Top Insurance Broker in Southwest Virginia” by Virginia Living Magazine for 2021. If you’re interested in starting a quote online or having us take a look at your current policies, click here!

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Are you ready to save time, aggravation, and money? The team at Holley Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!