Water, gas, electricity; These are just a few services to your home that you depend on every day.A disruption to one of these service lines means more than a cold shower.Pipes and service lines on your property are usually your responsibility, not the service provider’s, and a standard homeowners insurance policy doesn’t cover many common causes of damage to service lines.

This means repair or replacement of the line could end up costing you thousands.Fortunately, many insurance companies are now offering a service line coverage endorsement option to homeowners policies.What Service Lines Can Be Covered?Natural gasElectricityDrainage pipesSteamWaterWaste disposalCommunicationsWhat Does it Cover?Normal wear & tearRust & corrosionMechanical breakdownWeight of vehicles, equipment, etc.FreezingRodent / Insect damageCollapseTree rootsThe cost to add this coverage your home insurance is often less than $50 per year.

The specific coverage and price may vary depending on the insurance company, so it’s important to review with your insurance agent.While service line coverage is becoming a more common coverage option, not all insurance companies offer it.RPU offers a coverage program directly, called Service Assured, that covers your RPU utilities for a few dollars per month.