SERVICE LINE PROTECTION: WHAT? WHO NEEDS IT?
Service Line Coverage. It sounds like something only someone would need that is having work done on their property, but do not let that fool you, if you are a homeowner, you too will likely want this coverage. As of late, this this coverage seems to be the topic of conversation and interestingly enough, we are seeing many companies coming out of the wood-works telling us, the uneducated public, that they will sell us all cheap Service Line Coverage. We are seeing advertisements on TV. We are getting post-cards mailed to us. We are hearing ads on our music streaming apps. Interestingly enough, most of these ads are not even coming from insurance companies who know what they are doing, but from independent companies offering to give you great protection. First let’s discuss what service line protection is. The very core of this coverage helps protect something that you, and many others, might not know you are responsible for as a homeowner…underground service and utility lines on your property. Service line coverage helps protect you, the homeowner, from damage to pipes, wiring, or utilities coming into/and on your property. There are some exclusions you do need to be aware, and each policy can differ, so homeowners need to know what they do or do not have. More often than not, service line coverage is an added endorsement to a policy. For example, one of our carriers, Safeco Insurance, only charges about $30 a year for their service line coverage compared to what we see companies like Nipsco offering for $16 a month. We, as insurance agents can not just offer you this coverage at a much better rate, but we can also tell you if your home insurance policy already includes this type of coverage. Why pay hundreds of dollars more for something you do not need from an outside source? Please do not throw your money away needlessly. Let us help. Let us do what we do best. We are not here make you pay more, but to protect and serve and cover you and your property the best we can so when you come to us and say, “we have a claim”, we can say, “you are covered”.
