Does my homeowners insurance cover my service lines?

Homeowners insurance typically does not cover service lines, such as water, sewer, gas, or electric lines that run from your house to the street or other external connections. These service lines are often considered the homeowner’s responsibility for repair or replacement.

However, some homeowners policies may offer an add-on or endorsement for service line coverage, which can help cover the cost of repairs or replacement of these lines if they become damaged. This would be an additional coverage you can purchase on top of your standard policy.

It’s always a good idea to check with your insurance agent to see if you have this coverage or if you can add it to your policy.