Service Line Coverage

Smart Additions for Your Home


Water, power, cable, data, gas … today’s homes are connected. Whether it’s exterior underground piping or wiring, a service line failure on your premises can incur costs that are the homeowner’s responsibility. That’s why UPC Insurance offers Service Line Coverage for Homes. Adding this coverage to your policy can give you peace of mind if service lines are damaged from the failure of a covered service line.

Cover for Your Home – Inside and Out

Did you know homeowners are typically responsible for the maintenance and repair of outdoor water, sewer, and other utilities running underground from the street to their homes? Most standard homeowners policies do not cover the related repair costs, which can also include excavation and outdoor property damage. That is why we offer a Service Line Coverage as a policy enhancement. This addition helps keep homeowners covered in the event that repairs are needed on outdoor utilities.

Covered service lines include the following:

  • Communications/data/internet
  • Compressed air
  • Drainage/irrigation
  • Electric power
  • Gas/propane
  • Water/well/waste
  • Steam
  • Ground loop (geothermal)

Coverage helps you with:

  • Repair or necessary replacement
  • Loss of use
  • Expediting expenses
  • Excavation costs
  • Outdoor property (when damage is related)
  • Additional living expenses and rental value

Coverage by State

Select your state to explore the UPC Insurance products tailored to where you live.