Minutes from our office on AZ-69, with a median of $413,200. The utility lines running from the street to the house belong to the homeowner, and almost nobody knows that until one fails.
The buried water, sewer and electrical lines on your property are yours to repair. A standard policy does not cover them.
Three things about the infrastructure you did not know you owned.
The water line from the street to your house, the sewer lateral running out to the main, and the buried electrical service are generally the homeowner’s responsibility. A failure means excavation across a driveway or a yard, and the repair commonly runs into thousands before anything is restored above ground.
Wear, deterioration and the failure of underground pipes are outside the usual cover. The policy may pay for resulting damage inside the house while paying nothing to find, dig up or replace the line itself, which is the larger part of the bill.
Many carriers offer a service line endorsement for a small annual amount with its own modest deductible, covering excavation, repair and restoring the landscaping afterwards. It is one of the better value endorsements available and it has to be asked for.
The parts of the property that are underground.
Older lines fail sooner and the repair is the same price either way.
A long run means a longer, costlier excavation.
Inexpensive, specific and rarely offered unless requested.
Tell us roughly how old the house is and how far it sits back from the street.
We add the service line endorsement, which almost no quote includes.
Request a quote