As a homeowner, you likely know about covering your property against common issues like fires, storms, and break-ins. But have you considered what would happen if something happened to the essential lines that connect your home to public utilities? Buried utility line coverage is an often-overlooked but highly valuable addition to a standard home insurance policy, especially for homeowners in La Crosse, WI, where older infrastructure can increase the risk of damage to underground lines. Here’s what you need to know about this coverage and how it can protect you from unexpected expenses.
What is Buried Utility Line Coverage?
Buried utility line coverage (sometimes called service line coverage) protects against damage to the utility lines on your property. These are the lines that connect your home to essential services like water, sewer, gas, and electricity. Because homeowners are responsible for the portions of these lines that fall within their property boundaries, any damage or failure to these lines can lead to significant repair costs that standard home insurance typically won’t cover. That’s where buried utility line coverage comes in—it can help cover the costs associated with repairing or replacing damaged lines.
What Types of Utility Lines Does It Cover?
Buried utility line coverage can cover a variety of lines, including:
- Water and sewer lines: Leaks, clogs, or breaks in water or sewer lines can disrupt your water supply and lead to costly repairs.
- Gas lines: Damage to gas lines is not only expensive to fix but can also be hazardous if not addressed promptly.
- Electrical and power lines: Damaged power lines can lead to power outages and significant repair costs.
- Telecommunication lines: These lines support internet and cable services, and repairing them can also be pricey.
In addition to covering repairs or replacement, this coverage can extend to costs associated with excavation, hauling, and landscaping after repairs are completed.
Why Do Homeowners in La Crosse Need Buried Utility Line Coverage?
In La Crosse, many homes are connected to utility lines that have been in place for decades. This aging infrastructure can make utility lines more susceptible to wear, tear, and environmental factors like shifting soil, tree root intrusion, and even cold winter temperatures, which can lead to freezing and cracking.
Without this specialized coverage, homeowners could face repair costs that range from a few hundred to several thousand dollars, depending on the extent of the damage. Adding buried utility line coverage to your home insurance can save you from these unexpected expenses.
Common Causes of Damage to Buried Utility Lines
Several factors can lead to damage to utility lines, including:
- Tree root growth: Roots naturally seek out moisture, and they can invade water and sewer lines over time.
- Freezing and thawing: In La Crosse’s colder months, pipes can freeze and crack.
- Soil shifting: Construction, erosion, or natural settling of soil can cause buried lines to shift and break.
- Corrosion: Over time, metal pipes can corrode, especially if they’re exposed to moisture or other elements underground.
These are just a few examples of the ways utility lines can become damaged, underscoring the importance of having the right coverage.
What Does Buried Utility Line Coverage Cost?
Adding buried utility line coverage is generally affordable. It’s a cost-effective way to protect yourself against potential repair expenses that would otherwise come out of pocket. Rates can vary depending on the insurance provider, but the extra peace of mind is well worth the investment.
Is Buried Utility Line Coverage Right for You?
If you own a home in La Crosse, WI, adding buried utility line coverage to your home insurance policy can be a wise choice. Whether your home is newer or older, this coverage provides financial protection against a wide range of potential issues that are often outside of your control. Preferred Insurance Agency is here to help you understand the benefits of this coverage and determine if it’s right for your home and budget.
Let Preferred Insurance Agency Help
At Preferred Insurance Agency, we specialize in helping homeowners in La Crosse find the coverage that best suits their needs. If you’re curious about adding buried utility line coverage to your home insurance or want to learn more about other types of specialty coverage, our experienced team is here to assist. Reach out to us today to discuss how this coverage can safeguard your home and provide you with peace of mind.
Preferred Insurance Agency
401 King St.
La Crosse, WI 54601
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