Underground Service Line Coverage

Jul 3, 2019 | Main Blog

Underground Service Line Coverage

Erie now offers an endorsement that can be added to your current ErieSecure Homeowner Policy. The endorsement is called Underground Service Line Coverage.

Erie Insurance will provide Underground Service Line Coverage for loss, damage or expense arising from any service line failure. The coverage is limited to $10,000 and $25,000.

The following are added coverages to the Underground Service Line Coverage limit:
  • Damages to Covered Service Line We will pay for physical loss or damage to your covered service line that is the direct result of a service line failure.
  • Excavation Costs – Due to the damage as the result of a service line failure, we will pay the necessary and reasonable excavation costs that are required to repair or replace the damaged covered service line.
  • Expediting Expenses – We will pay the reasonable extra cost to make temporary repairs and expedite permanent repairs or permanent replacement.
  • Loss of Use – Coverage for additional living expenses and fair rental value is extended to Underground Service Line Coverage.
  • Outdoor Property – We will pay for your outdoor property, including but not limited to trees, shrubs, plants, lawns, walkways, and driveways that are damaged due to service line failure or during the excavation of your covered service line.

What We Do Not Cover – Underground Service Line Coverage

The following exclusions are added:
  • We will not pay for loss or damage to septic systems, including leach fields, septic tanks, pumps, motors or piping that runs from the septic tank to the leach fields, other than loss or damage to covered waste disposal piping running from your dwelling or other structure to a septic tank:
    • Water wells, including well pumps or motors
    • Heating and cooling systems, including heat pumps
    • Sprinkler system pumps motors or heads.
  • We will not pay for loss or damage to a covered service line that is damaged while it is being installed, dismantled, or repaired. However, this exclusion will not apply if a covered service line failure necessitated such as installation, dismantling or repair.
  • We will not pay to clean up or remove pollutants, hazardous waste or sewage.
  • We will not pay for loss or damage caused by or resulting from any of the following causes of loss:
    • Fire, or water or other means used to extinguish a fire
    • Explosion
    • Lightning: windstorm or hail, smoke, aircraft, riot or civil commotion, theft, and breakage of glass.
    • Flood, surface water, waves, tides, tidal waves, overflow of any body of water, or water that backs up or overflows from a sewer, drain or sump.
    • Earth movement, except for results from the ground thawing after a freeze.
  • We will not pay additional costs incurred for loss or increased usage of water, natural gas, propane or any other service caused by or resulting from a service line failure.

If you would like to know more about the Underground Service Line Coverage, please contact our agency or click on the link below.



1 Comment

  1. James Fuss

    This covers water lines, I guess. Anything else? What is cost?


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