Does Insurance Cover My Underground Utility Lines?

As a homeowner, you take pride in your property and invest time and money into making it a safe and comfortable place for you and your family. However, have you ever considered the potential risks that lie beneath the surface? Buried utility lines, such as water, sewer, and electrical lines, are crucial components of your home’s infrastructure, but they can also pose unexpected risks. That’s where service line coverage, also known as buried utility line coverage, comes into play on your homeowner’s policy. In this blog post, we’ll explore the importance of this coverage and how it can protect your home from costly repairs.

Understanding Homeowners Insurance Service Line Coverage

Service line coverage is designed to protect you from the financial burden that can arise from damage or repair costs related to buried utility lines. Traditional homeowners’ insurance policies often exclude coverage for these underground lines, leaving homeowners vulnerable to expensive repairs resulting from accidents, wear and tear, or natural disasters.

Common Risks Associated with Buried Utility Lines

1. Wear and Tear: Over time, buried utility lines can deteriorate due to age, corrosion, or shifting soil. This can lead to leaks, blockages, or even complete failures, resulting in disruptions to your home’s water, sewer, or electrical systems.

2. Accidental Damage: Construction work, landscaping projects, or even a simple mistake while digging can cause accidental damage to utility lines. Most common one we see is trees and other landscape root systems growing into and around utility lines. Without the appropriate coverage, repairing these damages can be a significant financial setback for homeowners.

3. Natural Disasters: Natural disasters like earthquakes, floods, or storms can wreak havoc on buried utility lines. Repairing or replacing these lines can be an expensive and time-consuming process, especially if the damage affects multiple properties in your area.

Benefits of Homeowners Insurance Service Line Coverage

1. Comprehensive Protection: With homeowners insurance service line coverage, you can safeguard yourself against the financial impact of repairing or replacing damaged utility lines. This coverage typically includes water, sewer, and electrical lines, as well as data transmission lines, propane lines, and even geothermal systems. Double check what your carrier defines as “buried utility lines” in your declaration page to be sure.

2. Cost Savings: Repairs to buried utility lines can be expensive, and without coverage, you may be responsible for the entire cost out of pocket. Having service line coverage can help reduce your financial burden, allowing you to focus on restoring your home rather than worrying about the cost. Many times, when an incident occurs, it is keeping your house from critical services like water, sewer, etc. so time is of the essence. Many times, these bills for emergency services can stack up quickly.

3. Peace of Mind: Knowing that you have coverage for buried utility lines gives you peace of mind. Whether it’s a minor repair or a major replacement, you can rest easy knowing that you have financial protection in place.

Finding the Right Homeowners Insurance Policy

When searching for a homeowners insurance policy that includes service line coverage, consider the following:

1. Policy Inclusions: Review the coverage details to ensure it includes buried utility lines such as water, sewer, and electrical lines. Additionally, check if it covers related systems like data transmission lines or geothermal systems if applicable to your property.

2. Coverage Limits: Pay attention to the coverage limits provided by the policy. Ensure they are adequate to cover potential repair or replacement costs for buried utility lines.

3. Deductibles: Understand the deductibles associated with service line coverage. A higher deductible may lead to lower premium costs, but it’s essential to assess whether it aligns with your budget and risk tolerance.


Adding service line coverage, or buried utility line coverage, will add an increase on your homeowner’s premium, but can give you some extra peace of mind knowing you are protected. This is a coverage we suggest for all customers, regardless of the homes age. It is worth asking your current provider if they offer this coverage and understanding what the cost is associated with having it.

Please complete the form below for a quote.

Request Your Proposal Here

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

Call Email Claims Payments