| Service Line Coverage: Optional coverage for physical loss or damage to covered service lines on the residence premises
that is the direct result of a service line failure (limit and deductible apply). Covered losses include, but are not limited
to, wear and tear, rust and corrosion, mechanical breakdown, freezing or frost heave, and tree or other root invasion.
Coverage is limited to that part of the service line running from the point of connection to the main service or utility line
up to the dwelling. For additional details refer to the Product Guide.
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Consider adding Service Line coverage which is a cost-effective way to insure against service line failures –
which are often not covered under a standard Homeowners policy. Some of the coverage highlights include:
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Broad Coverage – Covered service lines include exterior underground piping and wiring providing one of the
following services to the residence: communications, compressed air, drainage, electrical power, heating, waste
disposal, and water.
- High Limit and Low Deductible – Coverage up to $12,000 and a deductible of just $500.
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Environmental Improvements – After a covered loss, provides coverage for the additional cost to replace with
materials that are better for the environment, safer, or more energy or water efficient than the materials being
replaced (up to an additional 50% of the cost to repair or replace).
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Excavation Costs – After a covered loss, provides coverage for the necessary and reasonable excavation costs
that are required to repair or replace the damaged covered service line.
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Expedited Repair or Replacement – Accelerates recovery by paying the necessary and reasonable extra costs to
expedite repair or replacement.
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Coverage for Outdoor Property – After a covered loss, provides coverage for outdoor property (including but
not limited to trees, plants, lawns, walkways, and driveways) that is damaged as a result of a service line failure.
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