Service Line Coverage

HSB's Service Line coverage pays to repair or replace homeowner-owned, exterior underground water, sewer and electrical service lines that fail or are accidentally broken.

Most homeowners don’t know that they own the outdoor service lines from the street to their house, or that they are responsible for line repair if failure or an accident occurs.   Service line failure is not covered by most homeowner insurance policies.

A service line failure is physical damage that results in a leak, break, tear, rupture or collapse of a pipe or line.  Physical damage can be caused by external events such as accidental breakage or environmental conditions such as root invasion, deterioration, freezing and electrical arcing.

HSB’s Service Line coverage will pay up to $10,000 for each service line failure incident.   The coverage can also pay for hotels, meals, rent, or other living expenses when a family must leave their residence because of a covered loss, or for generators and other temporary equipment needed to remain in their home.   In addition, it covers damage to outside property, including trees, shrubs, sidewalks, decks and landscaping when caused by a service line failure.

Service Line coverage is available through insurance companies that partner with HSB.  The coverage may be provided as an enhancement to insurers' homeowners policies, or packaged in an extended coverage endorsement to such policies.