Service Line Insurance: Protecting Your Sewer Lines and Your Wallet

Written By Valley Hummel

If you’ve ever had a sewer line problem, you know it’s not just an inconvenience — it’s an expensive one. Many homeowners don’t realize they are responsible for the section of the sewer line running from their home to the municipal connection at the street. A break, blockage, or collapse in that underground pipe can cost thousands to repair.

That’s where Service Line Insurance comes in.

What Is Service Line Insurance?

Service Line Insurance is an optional homeowner’s insurance endorsement that covers the repair or replacement of underground utility lines — including water and sewer lines — running between your home and the main utility connection.

Most standard homeowner’s insurance policies don’t cover these repairs. But with Service Line Insurance, you could be protected from costs caused by:

  • Tree root intrusion

  • Corrosion and rust

  • Shifting soil or ground movement

  • Freeze/thaw cycles

  • Accidental damage from heavy equipment

Coverage and Costs

  • Coverage Limits: Many policies offer up to $25,000 per occurrence.

  • Cost: This endorsement is typically inexpensive, adding just a few dollars a month to your premium.

  • Eligibility: Most major insurers offer it, but you must add it to your policy before a problem occurs.

And yes — even tree root damage is usually covered, as long as the line is underground.

Why This Matters for Sewer Line Problems

A typical sewer line replacement can cost anywhere from $3,000 to $15,000 or more, depending on depth, location, and property restoration. Without insurance, that’s money straight out of your pocket.

With Service Line Insurance, your policy can help pay for:

  • Excavation or trenchless repairs

  • Materials and labor

  • Restoration of landscaping, driveways, and sidewalks after the repair

How Legacy Excavation LLC Can Help

If your sewer line fails, Legacy Excavation LLC offers trenchless sewer repair — a modern method that:

  • Requires little or no digging

  • Preserves your yard, driveway, or landscaping

  • Is completed faster than traditional excavation

  • Produces a durable, long-lasting repair (often rated for 50+ years)

In the event that trenchless sewer repair is not an option, Legacy Excavation LLC also provides traditional excavation and replacement of damaged sewer lines.

We also work directly with your insurance provider to make the process as smooth as possible, so you can focus on getting your home back to normal.

Frequently Asked Questions About Service Line Insurance

1. Does Service Line Insurance cover old or deteriorating pipes?
Yes, in many cases, it covers damage caused by normal wear and tear, corrosion, and deterioration — as long as the line is underground. However, check your specific policy for exclusions.

2. Will it cover damage from tree roots?
Yes. Tree root intrusion is one of the most common causes of sewer line blockages, and most service line endorsements specifically include it.

3. What if my service line is partially above ground?
Coverage generally applies only to the underground portion of the line. Above-ground sections may not be covered, so you’ll need to confirm with your insurer.

4. How much coverage do I really need?
Typical policies offer $10,000–$25,000 in coverage. Sewer line repairs can vary widely in cost, so it’s smart to opt for the higher limit if available.

5. How do I add Service Line Insurance to my policy?
Contact your insurance agent and ask if they offer a “Service Line Coverage Endorsement.” It can usually be added at any time before damage occurs.

6. Does it slow down the repair process?
Not if you work with an experienced contractor like Legacy Excavation LLC. We help coordinate with your insurance company to ensure repairs start as quickly as possible.

Final Thoughts

Service Line Insurance is an affordable safeguard that can save you thousands in unexpected repair bills. If you don’t already have it, ask your insurance agent today about adding this coverage to your homeowner’s policy.

And if you ever find yourself facing a sewer line emergency — with or without coverage — Legacy Excavation LLC is ready to respond with quick, professional, and minimally invasive trenchless repair solutions.

Call us today to learn more or schedule a free consultation.

Valley Hummel