Underground service lines run to and from your home carrying water, gas, waste, electricity, etc.. You know they’re there, but did you know you are responsible for damage to them? A broken pipe underground can cost thousands to repair. The loss usually includes the need for an excavator. This will likely be the bulk of the expense, but then you have to consider the labor to replace the damaged pipe, then there’s your yard and any trees/ shrubs displaced in the process. Not to mention, without utilities, you may need to stay elsewhere while the work is completed. When you add it all up the possibility of this type of a loss is frightening, unless you have underground service line coverage.
Many insurance carriers have added underground service line coverage as an endorsement option to their policies. The coverage is still rather new in the insurance world, so it’s possible you haven’t yet heard of it. If you have questions on this coverage or would like to quote it on your policy, give us a call! If you’re not an insured of Sandmire Insurance we have many carriers to quote and a number of which have this coverage option; we’d be happy to quote your insurance with them.