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Underground pipes of a property

When it comes to protecting our homes, we often think about insurance coverage for the structure itself and our belongings. However, there are many elements within our homes that we may not consider until something goes wrong.

One such element is the underground pipes that supply water and sewage services to our homes. The question arises: Are underground pipes covered by home insurance? Let’s delve into this topic to understand better what home insurance policies typically cover.


Underground pipes, known as service lines, transport various essential utilities based on the specific location. These utilities include but are not limited to water lines, sewer lines, heating, electrical lines, natural gas, cable, and internet connections. The underground service lines serve as conduits for these vital resources, ensuring their efficient delivery to residential areas.


Home insurance (or homeowners insurance) protects homeowners against potential risks and damages to their property. While coverage can vary from policy to policy, most standard home insurance policies typically include the following coverage components:

1. Dwelling Coverage: This covers the physical structure of your home, including the walls, roof, foundation, and attached structures like garages or decks.

2. Personal Property Coverage: This covers your belongings within your home, such as furniture, electronics, and appliances, in case of damage or theft.

3. Liability Coverage: This protects you financially in case someone injures themselves on your property and files a lawsuit against you.

4. Additional Living Expenses: If your home becomes uninhabitable due to a covered event, such as a fire or severe storm, this coverage helps pay for temporary accommodations and other living expenses.

5. Medical Payments Coverage: This covers medical expenses if someone gets injured on your property, regardless of who is at fault.

It’s critical to note that home insurance policies typically have certain exclusions and limitations. Each policy may have its own specific terms and conditions, so it’s crucial to carefully review your policy and consult with your insurance provider to understand what’s covered and what isn’t.

Does Home Insurance cover Broken Sewer Pipes?

The coverage provided by home insurance policies can be a bit more complex for underground pipes. Standard home insurance policies rarely cover damage to underground pipes caused by wear and tear, aging, or gradual deterioration. These issues are part of the regular maintenance and upkeep of the property, and homeowners are expected to take measures to address them.

However, there are certain scenarios where coverage for underground pipes may be available under a home insurance policy:

1. Sudden and Accidental Damage: If your underground pipes suffer sudden and accidental damage because of a covered peril — such as a burst pipe resulting from freezing temperatures or damage caused by a covered natural disaster like a severe storm or earthquake — your home insurance may provide coverage for the resulting damages.

2. Water Backup and Sewer Coverage: Many home insurance policies offer optional water backup and sewer damage coverage. This coverage can help pay for repairs or cleanup costs if water or sewage backs up into your home because of a clogged or damaged underground pipe.

Reviewing your policy and understanding the specific terms and conditions related to water backup and sewer coverage is crucial. Some policies may have specific exclusions or limitations on the coverage provided for this type of damage.

3. Additional Coverage Options: Depending on the insurance provider and policy, additional coverage options may be available specifically for underground service lines. These endorsements or add-ons can cover repair or replacement costs associated with underground pipes, including water, sewer, and electrical lines.

These additional coverage options may come at an extra cost, and you should weigh the value they provide in relation to your specific circumstances. Consulting with your insurance agent or provider can help you understand the options and make an informed decision.


While insurance coverage can help mitigate the financial impact of unexpected damages, it’s crucial for homeowners to take proactive measures to prevent issues with their underground pipes. Regular maintenance and inspections can help identify potential problems early on and prevent costly repairs down the line.

Here are some preventive measures homeowners can take:

● Insulate Pipes: Properly insulating exposed pipes can help protect them from freezing during cold weather, reducing the risk of bursting.

Monitor Water Pressure: Excessive water pressure can stress your pipes, leading to leaks or bursts. Install a pressure regulator to keep the water pressure within a safe range.

● Proper Disposal Practices: Avoid flushing or pouring substances down the drain that can clog pipes, such as grease, oil, or non-flushable items.

● Regular Inspections: Periodically inspect your underground pipes for signs of leaks, cracks, or other damage. If you notice any issues, promptly address them to prevent further damage.

● Consider Preventive Service Line Coverage: Some insurance providers offer separate coverage options specifically for service lines, which can help cover repair or replacement costs associated with underground pipes. Consider adding this coverage if it aligns with your needs and budget.

While standard home insurance policies rarely cover damage to underground pipes resulting from wear and tear or gradual deterioration, there are scenarios where coverage may be available. As mentioned, sudden and accidental damage, water backup and sewer coverage, and additional coverage options specific to underground service lines can provide financial protection for homeowners.

Additionally, taking preventive measures and maintaining your underground pipes can go a long way in reducing the risk of damage and the need for insurance claims. Regular inspections, proper disposal practices, and considering additional coverage options are just some of the ways homeowners can help protect their underground pipes and ensure peace of mind. Remember to consult with your insurance provider to discuss your specific coverage needs and explore the available options to safeguard your home.

And if you need help finding the best homeowners insurance coverage for the best price, start by speaking to a SimplyIOA agent at 833.872.4467 or get a homeowners insurance quote online now.

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