Service Line Coverage

Service Line Installation

Mutual Assurance Society of Virginia is pleased to offer Service Line coverage for Homeowners. Service Line coverage offers an affordable way to protect the critical utility services to your home and avoid a costly and unexpected repairs.

If your home has an electrical, water, gas, sewer, or communication line, then you may be exposed to a Service Line loss that may not be covered by your homeowners policy. A water line break, or tree root intrusion to a septic line can render your home unlivable and result in costly repairs and temporary living costs.

In addition to providing coverage for repairs associated with a service line failure, coverage also extends to the following:

  • Expediting expenses so you can make immediate repairs
  • Reimbursement for temporary living expenses
  • Environmental Safety and Efficiency Improvements
  • Repair of damaged soft and hard surface landscaping
Page break line

Common Causes of Service Line Failure

  • Freezing or frost heaves
  • Tree root intrusion
  • Mechanical damage to piping
  • Wear and tear
  • Deterioration of materials
  • Rust or corrosion
  • Vermin, insects, rodents or other animals

Covered Service Lines Include:

  • Domestic Water Lines
  • Electrical
  • Distribution Lines
  • Fiber Optic Cables
  • Telecommunications
  • Compressed Air
  • Drainage
  • Natural Gas
  • Propane
Page break line

Examples of Service Line Claims

Water Line Crack

  • The primary water line that supplies a family home developed a leak from a split in the copper pipe.
  • The pipe was repaired and only minimal excavation was necessary. The cost of repairs was $1,660.
  • The insured only paid their property deductible w/endorsement ($1,000 minimum)

Sewer Pipe Broken

  • Over the years the underground sewer line from the home to the street deteriorated and collapsed.
  • The yard was landscaped with mature shrubs and hardscaping. The cost of full excavation of the line, repair, and landscaping was $10,996.
  • This loss was covered as a “wear & tear”.
  • The insured only paid their property deductible w/endorsement ($1,000 minimum)
Page break line

Service Line Limit of Insurance: $10,000 Policy Deductible Applies 

Call or email us to add this valuable coverage for only $44 per year. 

Page break line

Phone: (804) 355-1794     |     Fax: (804)355-1971     |     Email: