As a homeowner you may not realize you’re responsible for underground service lines that run from city property lines to your home. The cost of repairing or replacing piping and wiring on your property can be costly and usually isn’t covered by standard home insurance policies. Service Line Coverage is an optional type of coverage that you can add to your home insurance policy to protect you from losses due to failure of these lines.
What's covered
Add Service Line Coverage to your home insurance policy to avoid the high costs associated with repairing or replacing failed service lines located on your property. This optional coverage is available for an additional premium with available coverage amounts of $10,000 and $25,000.
Types of underground lines covered
- Sewer/septic lines
- Watermain
- Electrical
- Telecommunications
- Geothermal plumbing (Ground loop piping)
Causes of loss
Here are some of the more common causes of loss that are covered:
- Wear and tear
- Rust or other corrosion
- Damage or collapse caused by plant or tree roots
- Mechanical breakdown
- Weight of equipment, animals or people
There are other causes of loss that are covered. To find out more, speak to your insurance representative.
What’s covered in the event of a loss
- Excavation costs – the cost of excavation needed to expose damaged underground service lines for repair or replacement
- Loss of use – additional living expenses and fair rental value if the home becomes uninhabitable because of damage to the service line
- Repair expenses – the extra cost of temporary repairs
- Outdoor property – trees, plants, shrubs, walkways and driveways damaged as a result of a service line failure are covered
Stay ahead of the line with Service Line Coverage
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The content on this page is for information purposes only. Service Line coverage is not applicable to condominium or tenant policies. The insurance products described here are subject to terms, conditions, restrictions and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance representative if you would like to learn more including whether these insurance products are available in your province or territory. These insurance products are underwritten by insurers in the Aviva Canada group of insurance companies, which are subsidiaries of Aviva Canada Inc. Aviva and Aviva logo are trademarks used under license from the licensor.