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.
Service line coverage offers up to $10,000 per occurrence for damage to your exterior underground service lines, including:
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.
This type of coverage has its own $500 deductible, separate from the homeowners policy.
The average claim payment is $5,000, with excavation being the greatest cost of a service line repair.
As long as you have both a homeowners policy and Service Line Protection, it may be handled as a joint loss. Service Line Protection would cover the excavation and repair of the service water line and damaged outdoor property. Your homeowners policy may cover the resultant water damage within the home, subject to any exclusions that may apply.
Yes, a leak is physical damage and therefore meets the definition of a service line failure.
You should hire and use your own contractor to make repairs to the covered service line. If you’re unable to locate a contractor, Mercury can help you find one.
If emergency repairs are needed, they should be documented as much as possible to assist the investigation to determine if coverage can be afforded. Photos can be very helpful, especially if the damaged parts have been discarded. You should always take action to prevent further damage and report the claim as soon as possible.