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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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.
I would like to thank our Claims Adjuster, Brad Rotto, for all the hard work he has done while working on our claim. Our unit flooded, and there was a lot of damage done by the flood. However, Brad was very helpful, replying immediately to any question we had (and we had many!), arranging for reimbursements right away and making the entire process uncomplicated and easy to understand. It has been a real pleasure working with Brad. This was one of the rare instances when the reality exceeded the expectations. Thank you, Brad, for the impeccable service and the support received throughout!
I have bought several home insurance policies over the years. Square One was the last and has been the best. I got my house insurance with them for a few years, and now for an apartment that I am buying. You do not need to do any shopping around, and you do not go wrong if you come here directly for a great customer service experience, great coverages, at low price.
Square One insurance is so easy! You can go back and change whatever you like, whenever you like. Very easy to read, no mumbo jumbo that you can’t understand, it’s great, I love it! Thank you Square One, it’s good to know you have my back.
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!