If you haven’t been made aware that something called “Underground Utulity” and/or “Service Line Coverage” is an add on endorsement to a homeowner insurance policy. If you are a landlord of a 1-4 family home, this can be endorsed to a landlord policy too. Our average claim on this so far has been $7,200 to repair or replace a water line or a sewer line. It also covers electrical lines buried underground.
If you don’t have this coverage, especially with the older housing stock in Buffalo, I highly recommend this endorsement. The cost is only $20-$45 (depends on which insurance company you have) to add it on. Very inexpensive cost for very important coverage Ask us about Underground Utility coverage.