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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.
That’s why Square One offers service line coverage on most of our home insurance policies. If your home qualifies, you can easily add this affordable coverage when you buy your home insurance policy. With service line coverage, you’ll be protected if your service lines are damaged.
Here, we’ve collected some of the most important information about service line coverage.
Does home insurance cover service lines? |
Most home insurance policies do not cover service lines. That means, if the service lines on your property are damaged, you would need to pay for the repairs yourself—and that can get pricey. It’s not as easy as running to the hardware store and picking up a length of pipe. Service lines are underground, so there’s the added 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. With a typical home insurance policy, that cost would fall entirely to the property owner. When you add service line coverage to your Square One policy, you’ll have coverage for those costs. |
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What does service line coverage include? |
Typically, service line coverage protects all of the utility lines for which a property owner is responsible. That includes pipes for water and wastewater, gas lines, and cables for electricity or telecommunications (like cable TV or a landline phone) that lie within the property lines. Service line coverage from Square One is no different. When you add this coverage to your policy, you’ll have coverage for:
If any of these lines are damaged, the coverage will help pay for the cost of repairs. Most home insurance policies, even comprehensive ones, have a few common exclusions; wear and tear, mechanical breakdown, vermin damage, and others are often excluded from coverage. But, Square One’s service line coverage offers protection even for some types of damage that are normally excluded—like wear and tear, which is common with service lines but normally not covered by home insurance. With Square One, you can use your service line coverage even if your service line is damaged by:
Plus the typical coverages offered by your policy. |
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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. |
Getting the best protection doesn't have to break the bank. See how affordable personalized home insurance can be. Get an online quote in 5 minutes.
Don't just take our word for it. Here are some of the reviews that contribute to our average rating of 4.7 stars out of 5. Want to read more? Visit our reviews page.
I decided to switch to Square One for our home insurance needs. I love how I can modify my coverage online to see the effect it will have on my premium prior to making the changes. Everything seems so out in the open and the website and quote pages are very user-friendly. Joyce F. was excellent in helping me set up our new policy! She was friendly, knowledgeable, helpful and patient in dealing with all my questions. She got back to me every time she said she would.
Needed to find a new insurance provider as the one I'd been using for years raised premiums by a huge amount for absolutely no reason and with no explanation. So I jumped online and found Square One. The quote process was quick, easy and clear. When I had a question I asked for an agent to call me and they were very prompt in meeting the determined callback time. The chatbot is helpful as well. My quote was significantly less expensive and I have better coverage. I'm already telling all my friends about Square One.
I know only what I've had to learn about home insurance and it is always a daunting process. I felt motivated at 12:55 am to finally go to Google and fight through a quote, and at 1:08 am I got the confirmation email of my new policy. I feel more confident in than any time I've tried to keep up with someone on the phone. The expert opinion line was so appreciated, and it was remarkably easy to customize a policy that will let me sleep easier, starting tonight!
After obtaining quotes from 5+ insurance providers I decided to go with Square One for a simple reason: they offered the coverage I wanted (and then some) for the best price out there. I needed to set up a call to finalize my policy and Carla Campbell was prompt, knowledgeable and courteous. Nobody should ever be excited about insurance, but right now I am.
Square One Insurance: Where service, pricing and trust meet. Excellent customer support every time, no waiting. The best price I have ever gotten for home insurance. Hunter, who helped me today, was terrific. It is nice to get off the phone and it has all gone perfectly. I'm so glad I made the switch to a company that knows what it is doing! Square One is that company. Ten stars!
I was very satisfied with the outcome of my claim and the support received throughout. My apartment flooded when a radiator cracked. We had to leave for 9 days and many personal belongings were destroyed. This was the first time I'd ever needed to make any type of insurance claim, and I expected the worst. However, Lisa was very helpful, arranging for reimbursement for accommodations right away and helped me to recoup on the content losses from the flood. I would recommend using Square One for renters insurance.
I had to update my home insurance as we added a garage and an all-season gazebo to our house. Instead of being on the phone with an agent I could do the whole process through my online account. It took me not even 10 minutes and was so easy! I have referred Square One already several times because of their fair pricing and great online presence. I am just glad I have found them.
First time purchasing tenant insurance and wasn’t sure about some specific items being covered. Eran Azran, thank you! He was helpful and knowledgeable and made the entire process uncomplicated and easy to understand. Would that all customers service reps were as nice, generous and comfortable to chat with. Thanks Eran! Hope the boss is checking in here.
I just purchased a primary home and rental property coverage. The interaction was so smooth and professional. The price is very competitive with professionalism. It was a pleasure doing business with Square One. Very compassionate and smooth interaction. I was guided throughout the process. Many thanks.
Easiest tenant insurance I’ve ever gotten! Usually I’m on the phone for 30 minutes and the price doesn’t match the quote but this was quick and easy!
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