Service Line Coverage

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Service line coverage for homeowners

Service Line Coverage from Hartford Steam Boiler

HSB's Service Line coverage pays to repair or replace homeowner-owned, exterior underground water and sewer piping, electrical service lines and data lines that fail or are accidentally broken.

The program fills a coverage gap for homeowners, who often don’t realize that they own the outdoor service lines from the street to their house, and behind their house to a well, septic tank, or an out-building.

Homeowners are also responsible for the maintenance of service lines and repairs when the lines fail, and they must pay themselves for outdoor property such as trees, shrubs and driveways damaged as a result. Service line failure is not covered by most homeowner insurance policies.

A service line failure is physical damage that results in a leak, break, tear, rupture or collapse of a pipe or line. Physical damage can be caused by external events such as accidental breakage or environmental conditions such as root invasion, deterioration, freezing and electrical arcing.

Enhancements to HSB’s Service Line coverage include payment for damage to:

  • Water piping that connects from the dwelling to a public water supply, private well, retention pond or cistern.
  • Drain piping that drains water away from the dwelling or other structure.
  • Water or steam piping connecting an outside heating system to the dwelling and ground loop piping that connects to a heat pump.
  • An electrical power line that provides electrical service to the dwelling or other structure.
  • Communications or data transmission wiring, including telephone, cable, Internet and fiber optic wiring.

HSB’s Service Line coverage will pay up to $10,000 for each service line failure incident. The coverage can also pay for hotels, meals, rent, or other living expenses when a family must leave their residence because of a covered loss, or for generators and other temporary equipment needed to remain in their home. In addition, it covers damage to outside property, including trees, shrubs, sidewalks, decks and landscaping when caused by a service line failure.

Service Line coverage is available through insurance companies that partner with HSB. HSB makes it easy and affordable to add Service Line coverage to the homeowners policies of our client insurers, with HSB providing claim services, form design and state filing support, agent training and marketing support services.

The coverage may be provided as an enhancement to insurers' homeowners policies, or packaged in an extended coverage endorsement to such policies.


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