What is Service Line Coverage?
A service line endorsement on a home insurance policy is a type of coverage that protects you against damage or loss to the service lines that connect your home to public utilities, such as water, gas, and electricity. These service lines are typically located underground and can be damaged by a variety of causes, such as tree roots, soil shifting, and freezing temperatures.
The service line endorsement typically covers the cost of repairing or replacing damaged service lines, as well as any damage to your property caused by the service line failure. This coverage is often not included in a standard home insurance policy and must be added as an endorsement or rider to your policy for an additional premium.
It's important to note that not all insurance companies offer this type of coverage, so you should check with your insurance provider to see if it is available and what specific types of service lines are covered under the endorsement.