Homeowner Insurance
Utility Line Expense Coverage
Most homeowners don't realize they are responsible for repairing or replacing damaged underground exterior piping and wiring located on their property. This is an expensive process and is not covered by most homeowner insurance policies. Utility Line Expense Coverage not only pays for your repairs, but also for any damage to outdoor property as a result of those repairs (e.g., drive-ways, walkways, lawns, shrubbery, and plants). If your home becomes uninhabitable due to the damage, coverage for your hotel and other expenses is included as well.
Utility Line Expense Coverage includes:
- Water service
- Steam
- Geothermal
- Sewer
- Electrical power
- Communications
Examples of Utility Line Expenses:
An underground exterior sewer line on the insured's property was damaged by tree root growth. The drive-way and surrounding landscape were damaged while repairing the sewer line.
Total Loss: $10,000An underground electric service line supplies the insured's house from the street. The line is 25 years old and the movement from frost heave has caused the electric line to be damaged and electric is cut off from the home. The underground service line cannot be repaired, needs to be replaced and goes underneath a rose bush garden.
Total Loss: $4,600Utility Line Expense Coverage:
- Coverage Limit .................................... $10,000
- ....................................................... $20,000
- Deductible ......................................... $500.00
- Available only for NYC HO 00 03, NYC HO 7, NYC HO 7P and NYC HO 10