Spring Checklist: Don’t Overlook Your Underground Service Lines
April 8, 2026
What is service line coverage?
Service line coverage is an optional homeowners insurance endorsement that helps pay for damage to underground utility lines like water, sewer, gas, electrical, and internet lines.
Does homeowners insurance cover underground service lines?
Most standard homeowners insurance policies do not cover service lines or offer very limited protection. Coverage typically requires an added endorsement.
What does service line coverage include?
Coverage may help pay for:
- Repair or replacement of damaged lines
- Excavation and backfill
- Damage to landscaping, driveways, or sidewalks
- Temporary living expenses if your home is uninhabitable
What causes service line damage?
Common causes include:
- Tree roots
- Freezing and thawing
- Ground shifting
- Corrosion or aging pipes
- Animal damage
Who is responsible for service lines?
Homeowners are usually responsible for the portion of the line from the home to the street or public connection.
How much does service line repair cost?
Repairs can cost thousands of dollars due to excavation and restoration work.
Why review service line coverage in spring?
Spring conditions like thawing ground, excess moisture, and root growth increase the risk of underground line damage.
Is service line coverage worth it?
It can be valuable protection against costly repairs not covered by standard policies. Coverage should be reviewed based on your home and risk factors.
What should homeowners do next?
- Review your current policy
- Check for exclusions
- Ask about service line and sewer backup endorsements
- Understand limits and deductibles
*Please note that we rely on independent sources and recommend conducting further research or seeking guidance from a qualified industry professional, legal counsel, or licensed insurance agent as appropriate for your needs. These blog posts are intended for general informational purposes only.