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Service Line coverage

Service lines connect a home with the world around it. But traditional homeowners policies don’t protect failures and breakdown in those lines. Until now.

HSB's Service Line coverage pays to repair or replace homeowner-owned, exterior underground piping and wiring that fail or are accidentally broken. It also pays for the costs of excavation, as well as outdoor property such as lawns, walkways or driveways damaged as a result of a service line failure. This closes an insurance gap that homeowners don’t even realize exists until it’s too late - and an expensive repair bill arrives.

What it covers

A service line failure is physical damage that results in a leak, break, tear, rupture, collapse or electrical arching of a pipe or line. A service line failure may be caused by, but is not limited to, the following perils:


  • Wear and tear, marring, deterioration or hidden decay
  • Rust or other corrosion
  • Mechanical breakdown, latent defect or inherent vice
  • Weight of vehicles, equipment, animals or people
  • Vermin, insects, rodents or other animals
  • Artificially generated electrical current
  • Freezing or frost heave
  • External force from a shovel, backhoe or other form of excavation
  • Tree or other root invasion
  • Blockages or low pressure are not considered “service line failures”

Covered Services include:


  • Communications, data transmission, internet access
  • Compressed air
  • Heating - including geothermal, natural gas, propane, steam
  • Water, waste disposal, drainage
  • Electrical power

Other valuable protections

In addition to protection for the lines themselves, the coverage will also pay for hotels, meals, rent, or other living expenses incurred when a family must leave their residence because of a covered loss. It will also pay for generators and other temporary equipment needed to remain in their home.

Service Line coverage also pays for trees, shrubs, sidewalks, decks, landscaping and other outdoor property damaged when a service line fails.

Where to get it

Agents and homeowners can obtain Service Line coverage through insurance companies that have partnered with HSB. The coverage may be provided as an enhancement to insurers’ homeowners policies, or packaged in an endorsement to such policies.
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