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Home > Blog > Service Line Coverage - Briggs Agency
WEDNESDAY, SEPTEMBER 9, 2020

Service Line Coverage

Man wearing denim shirt and woman wearing plaid shirt wrap their arms around each other and walk towards the front door of their home

Recently, some insurance carriers in Indiana have offered a new endorsement that can be added, upon your request, to your Homeowner’s Insurance policy to offer coverage for service lines located on your property. A service line consist of underground piping or lines that provide a service to your dwelling. A standard Homeowner’s Insurance policy does not offer coverage for service lines without this endorsement being added to your policy.

Examples of covered service lines are:

  • Ground loop piping that connects to a heat pump
  • Power lines that provides electrical service to the residence premises
  • Water piping that connects from the residence to a public water supply system or private well system
  • Sewer piping that connects from the residence to a public sewer system or private septic system (not including “fingers” from septic tank into yard)
  • Natural Gas Line that has underground service line, that insured owns, provides service to residence premise, experiences a service line occurrence

The average coverage provided by the service line endorsement is between $10,000 to $15,000 in coverage, depending on carrier’s offered limits, and would normally carry a $500 deductible. The cost varies by carrier, however, the average cost to add this endorsement is only roughly $5 a month!

Examples of service line occurrences:

  • Collapse (sinkhole or subsidence collapse not included)
  • Electrical and mechanical or pressure system breakdown
  • Freeze
  • Rust or other corrosion, decay, deterioration, hidden or latent defect
  • Wear and tear

Occurrences normally not covered:

  • Blockage
  • Low pressure
  • Direct physical damage from digging

We want to remind you that Briggs Agency, Inc represents A-rated insurance carriers to cover your Home Insurance needs! Please contact us today at 219-769-4840 or visit our website at www.BriggsAgency.com to discuss further.

Also Read: A Storm Damages Your Home, What To Do Next?

 

Posted 2:10 PM

Tags: home insurance, homeowners insurance, briggs agency
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Merrillville, IN 46410

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