BY Citizens Insurance, Service Line Coverage
Chances are you have multiple "service lines" running underground on your property: pipes and wires that connect your home to your energy company, cable provider, or municipality. You probably don't spend much time thinking about them – after all, you can't even see them. But out of sight should not mean out of mind.
Many homeowners are surprised to learn that the repair or replacement of service lines on their property is their responsibility, not the service provider's. Damage to these lines often occurs unexpectedly – for instance a water pipe freezing, an electrical surge from a lightning strike, or tree roots invading and interrupting a cable line. Incidents such as these are becoming more common – one study shows that the frequency of sewer backups increases by about three percent each year.
The average service line repair runs roughly $3,000-4,000 – but can go much higher. Plus, these expenses aren't always covered in basic homeowners' insurance. That's why it's important to protect against these surprise costs by adding service line coverage to your insurance policy.
Dig in to the facts
Service line coverage is affordable, versatile, and powerful coverage against unexpected expenses related to:
Power lines and electrical wiring
Steam piping
Telephone and cable lines
Drainage
Fuel
Water pipes
Waste disposal
Sewer piping
Private wells and septic systems
…when damaged by:
Corrosion
Ground freeze
Root invasion
Lightning strike
Landscaping accidents
Rodents
Protect your property – and what's underneath it
The Hanover offers coverage options that, depending on where you live, provide up to $10,000 for repairs to service lines, excavation costs, loss of use, and landscaping expenses. Talk to your independent agent today to learn more about The Hanover's service line coverage.
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