Are Service Lines Covered by Homeowners Insurance in Illinois?

Homeowners insurance is often a crucial safeguard for property owners, providing financial protection against many common risks and perils. While these policies may cover many aspects of your home, when it comes to service lines, such as water, sewer and gas lines, coverage under a standard homeowners insurance policy in Illinois can be complicated.

What Are Services Lines?

Service lines are the underground pipes and cables that connect a home to public utilities. These lines are essential for the functioning of household systems. Still, they are also susceptible to damage from various sources, including natural wear and tear, tree root intrusion and ground movement.

Understanding Coverage in Standard Homeowners Insurance Policies

Typically, standard home insurance policies do not cover damage to service lines. This exclusion means that if a service line breaks or is damaged, the homeowner is responsible for the repair costs, which can be substantial. The lack of coverage for service lines can surprise many homeowners, who may assume that their insurance policy covers all aspects of their property.

Service Line Endorsements

Many insurance providers offer service line endorsements or riders to address this gap. These endorsements can be added to a standard homeowners insurance policy for an additional premium. A service line endorsement provides coverage for the repair or replacement of damaged service lines and related expenses such as excavation costs and temporary living expenses if the home becomes uninhabitable during repairs.

Benefits of Service Line Coverage

Adding a service line endorsement to a homeowners insurance policy can provide peace of mind and financial protection. It may ensure that homeowners aren’t left with unexpected and potentially high repair bills that must be paid out of pocket. These endorsements may often be available as a relatively affordable addition to standard policies and prove to be a crucial investment during times of need.

Get the Right Homeowners Insurance

Contact Salvador Insurance Agency in Chicago, IL, today to learn more about coverage options for service lines and ensure you have the right policy for your home.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.