The Hidden Risk Homeowners Don’t Think About

Posted on July 18, 2018 in Home Insurance, Money Saving Tips, Insurance Tips,

Homeowners exterior protection plans Many homeowners periodically receive offers for protection plans in the mail about exterior utility lines or pipes. Many homeowners will also wonder if this kind of protection is needed.

In truth, the exterior underground service and utility lines are your responsibility if they are on your property. This should be concerning because any breaks in a line or accidents during digging will be your job to fix- and this job can be costly.

These lines include cable, internet and electric wiring, natural gas, propane, water, and sewer pipes. In most places in the United States, the town, township, or utility company will not be liable for the portion of a service line or pipe that is on your property.

There are numerous ways service lines can become damaged. A few examples include: tree roots, animal interference, artificial electrical currents, vehicles weighing down on the lines, corrosion, rust, and wear and tear. The reason this can be costly is because a homeowner would have to repair the service line. To do so, he or she might have to dig up their landscaping, driveways, sidewalks, trees, shrubs, and even walkways in order to make the damaged line accessible for repair or replacement.

Common insurance policies do not extend coverage to exterior underground service line or pipes. One way to get this coverage is to either add the Plus or Select bundle to an ErieSecure Home® policy and get ERIE’s Service Line Coverage. It covers physical damage to exterior underground service lines caused by a covered service line failure.

If you are interested in getting homeowners insurance or getting your exterior underground service and utility lines covered, please contact one of our professionals at Assure America at any of our locations: Weirton, Wellsburg and Chester in West Virginia; Steubenville, Ohio; Louisville, Kentucky; or Pittsburgh, Pennsylvania.

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