Service Line Insurance – How to Protect Your Home

Service line insurance protection
Service Line Insurance - How to Protect Your Home. As a homeowner, you take great pride in your property, and ensuring its safety and security is of utmost importance. While you might have comprehensive home insurance, there's a lesser-known but equally crucial coverage option that could be a lifeline for your property—Service Line Insurance. In this blog post, we will delve into the significance of Service Line Insurance and how it safeguards your home from unexpected and potentially costly repairs.


Service lines are the unsung heroes of your home, quietly working beneath the surface to provide essential utilities and keep your household running smoothly. These lines, including water, sewer, electrical, gas, and communication lines, are typically buried underground or within your property's structure, making them susceptible to a wide range of potential risks.

Over time, factors like natural wear and tear, soil shifting, extreme weather, tree root intrusion, and even accidents can lead to service line damage or failure. When one of these crucial lines gets disrupted, it can disrupt your daily life, causing inconvenience and significant expenses.


Service Line Insurance, also known as Utility Line Coverage or Service Line Protection, is an insurance policy designed to provide financial protection to homeowners in the event of damage or failure of service lines. It can help to cover the repair or replacement costs of damaged service lines, helping you avoid hefty out-of-pocket expenses. It is essential to note that standard homeowners' insurance typically does not cover damage to service lines, making Service Line Insurance a valuable and separate coverage option.


Service Line Insurance typically covers the following scenarios:

  1. Wear and Tear: Coverage for damage caused by natural wear and tear over time.
  2. Accidental Damage: Protection against accidental damage to service lines, such as excavation mishaps.
  3. Environmental Factors: Coverage for damage caused by environmental factors like tree root intrusion, soil shifting, and freezing.
  4. Corrosion and Rust: Protection against corrosion and rust-related issues.
  5. Mechanical Breakdown: Coverage for mechanical breakdowns or failures of service lines.
  6. Electrical Power Surge: Protection against electrical power surges that might damage service lines.


In summary, Service Line Insurance is an essential coverage option that provides homeowners with financial protection against the unexpected and costly repairs of service lines. These underground lifelines are vulnerable to various risks, and having this coverage ensures that you won't be burdened with hefty repair bills in the event of damage or failure.

When selecting a Service Line Insurance policy, it's crucial to review the coverage terms and understand the specific lines included in the policy. Reach out to reputable insurance providers to explore your options and find a plan that best suits your needs.

Protect your home's lifelines with Service Line Insurance, and enjoy the peace of mind that comes with knowing you're prepared for any unforeseen circumstances that may arise. Safeguard your property and secure your home's essential utilities today.


At Conner Insurance, we have set the standard for superior guidance and exceptional service for more than 70 years. Contact us at (317) 808-7711 to speak to one of our advisors. We serve clients across the entire country. Our headquarters is in Indiana and we have satellite offices to serve clients in all 50 states. 

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