New Service Line Coverage Available to Homeowners

August 31, 2011 at 9:29 AM | Posted in Home, Personal Insurance, Personal Property | Leave a comment
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Safety Insurance Company now offers Service Lines Coverage, which can pay to repair underground outdoor water, sewer, and electrical service lines that fail because of damage resulting from a service line failure. This damage would normally be excluded under most homeowner policies and once the line leaves the road, the utility company is no longer responsible for it.

A service line constitutes underground piping and wiring that is located at the residence and provides service such as delivering water or power to the dwelling or other structure from a utility or private water supply. Losses can happen for multiple reasons:

  • Accidental – Potentially caused by a shovel intrusion, or contractor/homeowner accident
  • Deterioration – Wear and tear related
  • Environmental – Freezing, tree root related

Some of the coverage highlights include:

  • Excavation Costs:  Coverage for the necessary and reasonable excavation costs that are required to repair or replace the damaged covered service line.
  • Expediting Expenses:  Payment for the reasonable extra costs to make temporary repairs and expedite permanent repairs or replacement.
  • Loss of Use:  Coverage for additional living expenses and fair rental value, as defined within Coverage D – Loss of Use.
  • Outdoor Property:  Payment for outdoor property that is damaged during the excavation of your covered service line following a service line failure. This includes, but is not limited to:, trees, shrubs, plants, lawns, walkways, or driveways.

Service line coverage provides a limit of $10,000 for a covered loss and has a $500 deductible. There are exclusions to the coverage such as flood and earthquake, and loss or damage to septic systems, pumps, motors, or water wells to name a few.

If you feel this coverage is right for you, call us at 1-888-850-9400.

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