What's Covered

Every home on a municipal water supply has a service line running underground from the street to the house. It works silently every time someone turns on a tap, fills a glass, or runs the washing machine — and most homeowners never give it a second thought. When that line cracks, springs a leak, or gets damaged by shifting soil, the water stops working and the repair falls entirely on you. It tends to arrive without warning, and the cost can be significant.

Your sewer line does one of the most important jobs in your home — it carries all wastewater away, every single day, without being noticed. Until it doesn't. Tree roots, aging pipe materials, and shifting ground can all cause a sewer line to block or collapse. When that happens, drains back up, your yard may show signs of saturation, and the repair can mean excavating from your foundation all the way to the street. It's one of the messier and more expensive surprises a homeowner can face.

The electrical service line is what brings power from the utility grid to your home's meter and main panel — it's the connection that makes everything work. Whether it runs overhead from a pole or underground through your yard, it can be damaged by weather, age, or physical wear over time. When it does, restoring power requires licensed professionals and can involve more work than most homeowners expect. The utility handles their side; once the line reaches your property, it's yours.

Your exterior gas line delivers the natural gas or propane that powers your furnace, water heater, stove, and more. A leak or break in this line is one of the most urgent issues a homeowner can face — both for safety and cost reasons. Gas line repairs require licensed professionals and can involve significant excavation. Having coverage in place means one call gets the right people there quickly.

Homes in lower-lying areas or those not directly served by a gravity sewer system rely on a grinder pump to move wastewater to the municipal sewer main. It's a critical piece of infrastructure that most homeowners rarely think about — until it stops working. A grinder pump failure means sewage has nowhere to go. Coverage for this system means you're not left dealing with that problem alone.