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What is  Underground Utility Coverage on a Homeowner policy?

1/9/2020

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This would be for any type of utility service line that is underground. Could be your water line, your sewer line, your electrical line, cable line.....anything on your property underground. And like in the case of a sewer line, it pays for rot, collapse, decay....stuff that is normally NOT covered on your old furnaces, old hot water tank.

This coverage is unique and we've already had 5 claims that were covered for this. And many, many of the "brand name" insurance companies don't have this endorsement yet. All the insurance companies that have the endorsement are using a 3rd party provider, so it costs an insurance company money to "hand off" this coverage. Someone like Hartford Steam Boiler would be one who would provide the coverage for a New York Central Mutual homeowner, for example.

Every client of ours that we have asked "Do you want to add this coverage on", have all said yes. Because for $20-$40 a year for $10,000 of coverage, it is very inexpensive to add on. Plus, six of the insurance companies we represent, also insure it for landlords on 1-4 family risks. This is so inexpensive, we highly encourage adding this coverage on to homeowner's & landlord insurance policies.
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  • Home
  • Quotes
    • Property Quotes >
      • Landlords Insurance Quote
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Renters Insurance Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
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      • Restaurant Quotes
      • Business Owners Package (BOP) Insurance Quote
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    • Other Quotes >
      • Boat Insurance Quote
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      • Pet Insurance Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Free Consultation
  • Insurance
    • Property >
      • Landlords Insurance
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Hair Salon Insurance
      • Restaurant Insurance
      • Business Owners Package (BOP) Insurance
      • Workers Compensation
    • Life/Financial >
      • Life Insurance
      • Umbrella Insurance
    • Other >
      • Boat Insurance
      • Event Insurance
      • Wedding Insurance
      • Pet Insurance
  • About
    • Blog
    • Client Testimonials
    • Refer a Friend
    • Free Reports
    • Staff Directory
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • News
  • Videos
    • Landlords Insurance
    • Comprehensive Coverage
    • Independent Insurance Broker VS an Insurance Agent
    • How to Get Good NY Landlord Insurance Policy
    • Homeowner and Liability Risks
    • Homeowners Garage Insurance
    • Property and Landlord Insurance
    • Underground or Service Line Homeowner Coverage
    • Running The Game with Tom Larsen
  • Contact
    • Privacy Policy
  • FAQs