Service Line Protection
When it comes to the underground pipes and wires that connect your home to electricity, water, gas and sewage lines, out of sight shouldn’t mean out of mind. Did you know you are responsible for repairing or replacing damaged service lines on your property that connect with municipality lines?
Without Service Line Protection, you could be looking at hundreds, if not thousands, of dollars in out of pocket expenses for services that are critical for everyday life.
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What is service line damage?
Service line damage typically occurs unexpectedly. To make matters worse, most homeowners insurance policies do not cover these repairs. Whether it’s a frozen water pipe that bursts or a collapse of the pipe that runs from your home to your septic tank, service line protection insurance provides peace of mind for your water, gas, electric and sewer lines.
With Mercury Insurance Service Line Protection, you’re covered1 in the event of costly and unforeseen expenses related to water, electricity, gas and sewer service line damage.
1Coverages may be subject to certain restrictions and limitations and may not be available in all states. Please refer to your Policy for specific policy terms and conditions. Ask your local independent agent for more information. Service Line coverage is not applicable to mobile homeowner risks, condominium owner risks and contents only risks.
What types of service lines are covered?
Service line coverage offers up to $10,000 per occurrence for damage to your exterior underground service lines, including:
- Water piping that connects from the dwelling or other structure to a public water supply or private well
- Sewer piping that is part of a sewer lateral that connects from the dwelling or other structure to a public sewer or private septic system
- Ground loop piping that connects to a heat pump
- Piping providing heating, including geothermal, natural gas, propane and steam
- Piping that supplies compressed air
- Power lines that provide electrical service to the dwelling or other structure.
Service line coverage only costs a few dollars per month and covers lodging and other living expenses if your home becomes uninhabitable. This type of insurance has its own $500 deductible that is separate from the homeowner's policy. The average claim payment is $5,000 with excavation being the greatest cost associated with service line repair.
Speak to a local Mercury agent to learn more about service line coverage and how to add it to your insurance policy.