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.
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.
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.
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 found Square One online at a time that I was shopping around for auto insurance to replace my existing policy. I applied online and requested for a quote and the next day I received a call from Kathy Vallance and guess what? I ended up purchasing two policies — auto and home together at an affordable price. Kathy honoured all promises of calling back all the way till close. Kathy is a true professional in her field and in my opinion an honest person too. I take this opportunity to urge all and sundry to go and purchase auto and home insurance with Square One.
Who loves dealing with insurance? Nobody, that’s who, but it is necessary. Square One makes the process simple and easy to understand and complete. Even when I had some additional details that made my policy non-typical, the agent I dealt with communicated clearly and was very pleasant. They make a dry topic easy to deal with. Will for sure recommend and continue to use!
I was extremely happy with the service provided by Brett Vancise. He was so versed with his work and guided me through the entire process. He was calm and explained to me every detail concerning the policies. I ended up saving a great deal as compare to my previous insurance provider. I have so far referred several of my friends to this company.
My landlord suggested your company to me as a new tenant because of its efficiency and accessibility, and let me tell you it was as easy as making microwaved popcorn, literally… Thank you so much Square One, it’s a good feeling to know that your home and belongings have a professional protection plan in place.
Hasti was one of the support agents who supported me patiently to complete the policy order. Also, the online form and the T&C of the policies are clearly understandable! I have total of 4 titled owners of the property that it allows the info to be input to the system individually (No kidding! Other insurance systems don\'t allow to do this... This online app is absolutely user-friendly! The cost of the policy is not bad comparing with the competitors. I would highly recommend Square One to anyone who is shopping for better services and pricing!
I recently purchased an insurance policy from Square One. We were so pleased with the ease of application but also how thorough they are in the questionnaire in regards to our property. Square One makes it possible to have the coverage you need with a price that is affordable.
Very friendly online portal to select and purchase my new tenant insurance policy with Square One. A friend referred me, based on her total satisfaction to date. We both have received our promotional gifts (Amazon gift card for me, and the $25 account credit for her!). The coverage is excellent for my needs, at very good cost (good value for money). Telephone inquiry about one concern was handled promptly, courteously and satisfactorily. Thank you for the good service and product. I feel to be in good hands with Square One.
I am very pleased to be able to secure a tenant policy with less hustle. Everything done online without the involvement of any agent as I don't have time to speak on the phone. All the forms filled up are very comprehensive and easy to understand. One of the cheap premiums on the market as well. Great service! Good job.
Square One is one of the only providers who would cover our in-home pottery studio. They were thorough and requested photos but they covered us. It’s been very easy to update our coverage as the business grows and we add more services and assets, and sales locations. I love being able to do these changes online and have easy access to check my policy. The service has been great so far.
Getting tenant insurance has never been this personalized. I enjoyed that you could truly cater to what kind of home you are living in. With a click of a button, the value of your insurance would change so you could see the quote change as you figured out what works best for you. Very intuitive and user-friendly.