Service lines are the water, sewer, electrical, gas, and telecom lines that connect your home to the public supply. The public lines normally run underneath the street or sidewalk. Service lines also run underground, connecting your house to the public lines.
Utility companies take care of the public lines under the street. But the service lines on private property are the sole responsibility of the property owner — and repairing those lines can be costly. Home insurance covers service lines for the same types of damage as the house, but service lines face many other forms of damage, too.
That’s why Square One offers service line protection on most of our home insurance policies. If your home qualifies, you can easily add this affordable coverage when you buy your policy. With service line protection, you can extend the basic coverage for service lines to include coverage for wear and tear, corrosion, and many other types of damage that are usually excluded from home insurance policies.
Here, we’ve collected some of the most important information about service line protection.
Does home insurance cover service lines? |
Most home insurance policies cover service lines for the same types of loss as the building itself, including policies from Square One. For example, if a house is damaged by a fire, any damage to the service lines would usually be covered. But, damage from excluded perils, like rusting or general wear and tear, would not be covered for the house nor the service lines. Given that they’re buried underground, service lines are difficult to maintain and accordingly susceptible to these types of gradual damage. If a service line fails due to an excluded peril, the homeowner will need to pay to replace it. And repairing a service line is not as easy as running to the hardware store and picking up a length of pipe. There’s the cost of digging up the yard (not to mention putting it back together afterward). Plus, you’ll need to bring in professionals; whether pressurized water lines, live electrical wires, or dangerous gas lines, most service line repairs can’t be DIY-ed. The average cost of repairing a sewer service line, for example, is as high as $6,000. |
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What does service line protection include? |
By default, policies from Square One cover:
If any of these lines are damaged, the policy will help pay for the cost of repairs, subject to the policy’s exclusions. Among those exclusions, as with most home insurance policies, are wear and tear, vermin damage, and others. But, Square One’s service line protection adds coverage even for some types of damage that are normally excluded. With Square One, you can use your service line protection even if your service lines are damaged by:
Plus the typical coverages offered by your policy, up to the building coverage limit. |
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How much does service line coverage cost? |
Not all home insurance providers offer service line coverage; those that do typically charge $35 to $50/year. Service line coverage from Square One starts at just $25/year. |
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What is the deductible for service line coverage? |
Like most insurance, service line coverage includes a deductible — the portion of a claim the policyholder pays before the insurance provider pays the remainder. When you use service line coverage from Square One, your standard policy deductible will apply; there’s no separate deductible for this coverage. |
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I can’t say enough good things about Square One. From the moment I signed up, their team was incredibly helpful, guiding me through the process with clear explanations and no pressure. The coverage options are flexible and affordable, perfectly tailored to my needs. Their customer service is top-notch, always friendly, and ready to answer any questions. I feel confident knowing I’m protected by a company that truly cares about its customers. I highly recommend Square One to anyone looking for reliable car insurance!
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By far the best insurance provider I have dealt with. I am so glad to have found Square One and to be a client. Today, I dealt with Himalee Jayasooriya by telephone and she was so knowledgeable, pleasant, and helpful. This meant a lot to me being a senior, and she easily and quickly expedited all my car insurance needs. No nonsense, just great service and a great product.
I completed the comprehensive online application for only home insurance as I do not drive. It took a while covering pretty much everything I could think of. The given price of the premium was almost unbelievable. So much so, that I felt I needed to follow up with a phone call. I spoke with a rep that was very knowledgeable, and helped me along with reasonable suggestions and provided recommendations, ensuring the apples to apples coverage. I was extremely pleased with the price of the premium that was a staggering $748 less than my current insurance provider! Thanks so much Square One!
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These guys are terrific! The entire online experience of purchasing was the easiest ever, and they blow the 'big guys' out of the water! The customer reps are exceptionally friendly, kind, and patient... I can't even begin to tell you. I also dealt with Rachel LaHay... she was outstanding and deserves a raise, recognition, and promotion. Not to mention, Square One is the cheapest quote I saw anywhere in Toronto. Thanks guys!
This entire process was the most painless I've experienced while getting auto insurance. The two folks I spoke with, Eran and Stephanie were delightful and absolutely helpful. 10/10 would do it again.
I was hesitant at first but once I got to the end, I realized that I could play around with deductibles and add or take away things I don’t need right now. I felt much better and my quote went down a couple hundred a year. I also really liked the fact that I didn’t have to talk to anyone or wait for a phone call. Once I was happy with my quote and ready to “sign on the dotted line” I clicked the button, paid the fee, and I’m done! Thanks for making it so easy!! :)
Eran Azan was the most helpful, friendly, and knowledgeable. He provided clear, thorough answers to all of my questions and concerns. Very assuring of all of the features of Square One, and is even going over the top - investigating a unique situation I have. I did not feel rushed or that any of my questions were not worthy. Eran made the whole experience feel incredibly empowering. Square One certainly is a competitor in the market of house insurance and I feel very confident with this coverage. Thank you so much, Eran, for such a pleasant call.