This is one of those endorsements to your homeowner's insurance that you may not think about until AFTER you need it.
This coverage covers all utility line damage that occurs on your property, including electrical, water, sewer, phone, and cable lines.
These lines can be damaged by various factors like:
- tree roots
- frozen ground
Damage can also be done by digging on your property.
The cost of this coverage is very inexpensive relative to the cost of repairs (easily thousands), so it's definitely something to consider adding to your main policy.
Do you know: 1) if your insurance carrier offers this endorsement, and 2) if you have this added to your current policy?
As an independent insurance agent, I have access to numbers of insurance carriers and can help you review your coverage and add this rider to your policy. Call me today at 706-726-1446!