Homeowner's Insurance

Service Line Coverage¹. 

You may not realize that as a homeowner you are responsible for the underground service lines that run from the street to your home. Service line coverage protects you from losses due to damage or failure of these lines by extending your CAA Home Insurance coverage to underground piping, wiring, valves and more.
Blue pipe service

What's included in Service Line Coverage?

  • Damage to your underground service line that is the result of a failure of this line. Problems that can occur include: wear and tear, rust, corrosion, decay, deterioration, defects in the line, freezing, collapse of the line (not including sinkhole collapse) and electrical, mechanical or pressure systems breakdown. 
  • Damage to wiring used for communication or data transmission.
  • Additional living expenses and rental values.
  • Your outdoor property that is damaged as a result of a service line failure or that is damaged during the excavation of this line following its failure. 
  • Costs required to repair/replace the damaged covered service line that is the result of a service line failure.
  • Extra costs to make temporary repairs or to expedite permanent repairs/replacements to your service line that is damaged as a result of a service line failure.

How does the coverage work?

By adding this coverage to your homeowner policy, you can get protection against such instances as stated above, which average $6,000 per occurrence. There is a deductible of $500 and a coverage limit up to $10,000 per occurrence.

Loss:
$6,600
Deductible:
$500
Insurance Recoverable:
$6,100
During a cold spell, the pipe connecting the public water line from the street to a home sustained freeze damage and ruptured. The homeowner had to have the water line excavated ($3,900) and replaced ($1,000). The contractor involved had to remove a number of trees and shrubs before excavating; the replacement cost for the trees and shrubs was $950. Because of the extensive repair work needed, the homeowner also had to stay in a hotel for two nights at a total cost of $750.
Loss:
$5,800
Deductible:
$500
Insurance Recoverable:
$5,300
A tree root grew through a sewer pipe located on a homeowner’s premises, causing the pipe to leak. The sewer line was 200 feet long and required a backhoe to dig up and replace the damaged piping. The cost to replace the sewer line was $1,750 and the excavation cost totaled $4,050.
Loss:
$7,800
Deductible:
$500
Insurance Recoverable:
$7,300
An underground power line providing electrical service to a home deteriorated over time, causing an interruption in the service. Due to the extensive damage discovered during the repair work, the power line had to be excavated ($5,300) and replaced ($2,500).

Get all the coverage you need.

If you have CAA Home Insurance, you are eligible to receive Home Equipment Breakdown coverage for as little as $17/year.

Call your CAA Insurance Agent at 1-877-665-1222 for more details.