Homeowners Insurance

Service Line Protection

You may not realize it, but as a homeowner, underground service and utility lines on your property are usually your responsibility.  And homeowners insurance policies typically don’t cover damage to them – but Erie Insurance offers coverage that does.


At Erie Insurance, we don’t think it’s right that homeowners need to buy utility service contracts offered by multiple companies in order to avoid costly repairs to underground service lines. So we did something about it.

When you purchase the Plus or Select bundle with your ErieSecureâ homeowners insurance, you won’t be stuck footing the bill for damage to your underground lines.* That’s because these enhanced bundles include coverage for damage to exterior underground piping and wiring that provide essential services to your home. You get coverage for damage to underground:

Men working on service lines


Unfortunately, breaks in a line or accidents during digging can happen. But now you can get coverage for those underground lines right in your homeowners insurance policy, including but not limited to wear and tear, rust, freezing, root invasion, animal damage and similar perils. The Plus bundle provides up to $10,000 in coverage and the Select bundle, up to $25,000. Talk to a local Erie Insurance agent today who can explain the details and give you a quote.

If you already have an ErieSecure Homeâ policy, you may already have or can easily add the Plus or Select bundle to your existing policy. If you are new to ERIE, have an ERIE HomeProtector policy, or we insure your car but not your home, ask your local ERIE agent for a homeowners quote that includes Service Line Coverage. 


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Rest easy knowing your home is covered all the way to the curb.

Talk to your local ERIE Agent about home insurance that includes service line coverage.

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*Coverage is offered in partnership with Hartford Steam Boiler and is not available in all states.

All service line failures caused by the same event are considered one failure.  Blockage or low pressure with no physical damage to the service line is not covered. Lines from a home to a septic tank are covered, but lines from a septic tank to a leach field are not covered.  Piping or wiring running through or under your home or other structure or a body of water including a pool, pond or lake is not covered.  Piping or wiring that is not connected and ready for use is not covered.

See individual policies for specific coverage details. Coverage is subject to terms, conditions, limits and exclusions. Talk to an ERIE agent for state-specific policy information and refer to our disclaimer for additional information.