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Service Line coverage for Homeowners

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

Covered service lines include:


  • Communications, including cable transmission, data transmission, internet access and telecommunications;
  • Compressed air;
  • Drainage;
  • Electrical power;
  • Heating, including geothermal, natural gas, propane and steam;
  • Waste disposal; or
  • Water.

Service line failures can be caused by:


  • 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; or
  • Tree or other root invasion.

HSB’s Service Line coverage will pay up to $10,000 for each service line failure incident. In addition to excavation costs and repair or replacement of the piping or wiring, 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. We make 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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