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Neighbors of DuPage

State Farm offers a low cost policy to cover service lines coming into your home

“The buried sewer/septic line on your property that carries waste away from your home can age, crack or leak due to simple wear and tear, tree roots or shifting ground. This line can also get blocked and cause waste water to backup into your home. Most basic homeowners insurance doesn't cover repairs to this line and as a homeowner, you could face expensive repair or replacement costs.” –

Who is responsible for the service lines that come into your home? Typically, municipalities and utilities are not responsible for the water, sewer, electric, gas and other service lines that are on your premises. Homeowners are most likely responsible for making repairs to these lines.

“It cost us over $6,000, out of pocket, when the sewage line coming into our home broke.  I mistakenly assumed it was all covered, since it was on my property,” says Tim Sullivan, Publisher, Neighbors Magazines.

Now, according to State Farm®, a Service Line Coverage may be added to your Homeowners Policy at any time for a low annual cost with a $500 deductible and a $10,000 limit per occurrence to provide coverage for loss or damage to critical services to your home.  Service Line Coverage offers insurance protection for underground service line failures and related outdoor property that is the responsibility of the homeowner for repair when caused by a service line failure. A service line failure may be caused by, but is not limited to: Wear and tear, marring, deterioration or hidden decay Rust or other corrosion; Mechanical breakdown, latent defect or inherent vice Weight of vehicles, equipment, animals or people; Vermin, insects, rodents or other animals; Artificially generated electrical current; Freezing or frost heave; External force from a shovel, backhoe or other form of excavation; Tree or other root invasion.

According to the policy information provided by State Farm Agent Anthony Tzinares, Westmont, “Say for instance, your sewer line cracks as a result of tree root invasion and the covered repair costs total $10,000. With Service Line Coverage, your responsibility for the loss is your $500 deductible. Payment for the loss would be the remaining $9,500. Now, suppose a water line ruptures and to fix the damage, a trench has to be dug across your driveway. The pipe needs to be replaced, and covered repairs made to the lawn and driveway total $8,025. With Service Line Coverage, your responsibility for the loss is your $500 deductible. Payment for the loss would be the remaining $7,525.”

Coverage Service Lines also include: Excavation costs –State Farm will pay the necessary excavation costs to repair or replace your covered service line; Expediting costs - the reasonable extra costs to make temporary repairs and expedite permanent repairs or replacement; Loss of use - additional living expenses due to a covered loss; Outdoor property such as trees, shrubs, plants, lawns, walkways or driveways that are damaged as a result of a service line failure or are damaged as a result of the repair or replacement of the failed service line.

This is only a general description of coverages and is not a statement of contract. Details of coverages or limits vary in some states. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself, and in any endorsements. For complete information and policy details, contact Anthony Tzinares, 700 E. Ogden Ave. Suite 300, Westmont, 630-828-2102.