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Does Homeowners Insurance Cover Service Lines?

If you’re like many homeowners, you may have received offers in the mail promoting protection plans for exterior utility lines or pipes. And if you’re like most consumers, you’re not quite sure if this protection is something you might actually need.

Whose Line is it Anyway?

The reality is that as a homeowner, exterior underground service and utility lines on your property are often your responsibility – and breaks in a line or accidents during digging can happen. If you need to repair or replace physically damaged lines or pipes, the cost can be substantial.

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In most places, a city, township or utility company will not assume any responsibility for the portion of a service line or pipe that runs underground on your property, to or from the public connection.

And typical homeowners insurance policies don’t provide coverage for damage to these exterior underground service lines or pipes, either. This can mean serious trouble for a homeowner if a service line or pipe is physically damaged from a service line failure and requires repair.

What Service Lines Might Run Under My Property?

Exterior underground service and utility lines include:

  • Water and sewer pipes
  • Cable, internet and electric wiring
  • Natural gas pipes
  • Propane pipes

How Service Lines Become Damaged

Some of the most common causes include: tree roots, animal interference, an artificial electrical current, the weight of vehicles pressing down on the lines and even corrosion, rust, wear and tear.

Outdoor elements and causes like these can prove detrimental to these service lines and pipes. No matter what the cause, the effects can be costly. Besides repairing the actual service line, a homeowner may have to dig up landscaping, driveways and sidewalks to gain access to the damaged line. Damaged outdoor property like trees, shrubs and even walkways may require repair or replacement as a result of the service line repair or the service line failure itself.  

Good News: Help for Homeowners

If you have an ErieSecure Home® insurance policy, you can purchase additional protection that covers the cost of these service line repairs as well as related excavation costs, outdoor property damage and even loss of use.  

By adding ERIE’s Service Line Coverage2 to your home insurance policy, you won’t be stuck footing the bill on your own for these service line failures to your underground service lines.

What’s Covered?

Service line coverage is available when you add either the Plus or Select bundle to an ErieSecure Home® policy. It provides coverage for physical damage, caused by a covered service line failure, to exterior underground service lines like cable, internet and electrical wiring, and damaged natural gas, propane and sewer pipes.1

Talk to a local Erie Insurance agent today who can explain the details and give you a quote on homeowners insurance that includes service line coverage.

  • 1

    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.

  • 2

    Coverage is not available on all policies or in all states. Coverage is subject to terms, conditions, limits, exclusions and applicable deductible. See individual policies for specific coverage details and exclusions. Please refer to our disclaimer and talk to an ERIE agent for state-specific policy information.

ERIEĀ® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 

The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia or New York.  ERIE long term care products are not available in the District of Columbia and New York. 

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.