Here’s What You Need to Know About Service Line Coverage

Here’s What You Need to Know About Service Line Coverage

We’ve been receiving many questions regarding service line coverage. Maybe you’ve been wondering about it too?  That is why we, at The Insurance Specialists Team, will provide you with some valuable information to help you understand what you need to know about service line coverage.

What Service Line Coverage Is

Service line coverage is insurance that protects you from the costly expenses of repairing or replacing damaged service lines that you are responsible for within your property. As damages can occur quite unexpectedly this will help you cover the cost for repairs and replacements.

The Insurance Specialists Team has options for you if you feel you need the coverage for better coverage than offered from others at an affordable cost.

Should you consider getting a Service Line Coverage?

Many are unaware that basic homeowner insurance policies do not cover the costs for repair and replacements, so it is best to consider getting a service line coverage. And did you know that as a homeowner, damages of service lines in your property are not your provider’s responsibility but yours? 

When something goes wrong with your service line, repairs and replacements can cost you thousands of dollars. For example, the average cost for replacing a broken water service line is $3,000 and more depending on other factors.

By adding the right service line coverage, usually just an endorsement on your policy, you can protect yourself and your family from these unexpected and very costly expenses. 

A glance at a typical homeowner’s service line responsibility:

Here’s what is usually covered 

As a homeowner, you may have coverage for the following types of service lines within your residential property:

  • Water 
  • Waste Disposal
  • Drainage
  • Heating
  • Electrical Power and Communications
  • Compressed Air

These are for damages caused by:

  • Wear and tear 
  • Rust and corrosion
  • Mechanical breakdown 
  • Freezing or frost heave
  • Tree or other root invasions

There may be exclusions

It is also important to note that there are specific exclusions to the policies you’re going to avail- so it is best that you discuss the specifics of the coverage first. Septic tanks, on-site wells, service lines that extend beyond the homeowner’s point of connections to the main service, and any shared utility lines that provide service to multiple properties are often not covered.

How much will service line coverage cost

The Insurance Specialist Team represents many insurance companies like Safeco that offer better service line coverage for as low as $35. The coverage provides a limit of up to $12,000  for common causes of service line failure with a  $500 deductible applied. 

Many insurance companies don’t provide service line coverage. However, we represent many home insurers that do offer coverage. It’s generally better coverage and you can get it for less. We will make it easier for you to find affordable coverage options you can avail for a few dollars per month that will save you thousands of unexpected repair and replacement costs.

If you have questions or need more information feel free to contact IST for a no-obligation quote. We know you’ll be pleasantly surprised!

Insurance in Minneapolis

The best way to get insurance in Minneapolis – Great Rates for All Drivers and Homes

Minneapolis Insurance

Minneapolis Insurance Specialists represent many companies – not just one. It makes getting affordable rates easier.

Great Auto Insurance and Homeowners in all Minneapolis and Minnesota

Call 612.460.7796 for Insurance in Minneapolis. Auto or Home Insurance for people living in Minneapolis and all of Minnesota. We professionally select rates from some of the best companies licensed in Minnesota including AAA, ASI, Allied, Encompass, Dairyland, Foremost, Integrity, Safeco,Travelers, West Bend and Progressive. We offer the best coverage at the lowest price – not cheap policies for a good price. We know how to get all the discounts and get insured.

We write auto insurance for all drivers. We have companies that offer many discounts that are specially designed to get best bottom prices for the preferred driver. We offer have programs for the driver that is inexperienced or has not had recent insurance or has tickets or accidents or is required to prove insurance to the State with a SR22 certificate. We offer non-owners or named operators insurance for the driver required to carry insurance but does not own a vehicle. We have companies that offer ATV, Boat, Cycle,RV and Classic car Insurance. For Home or Residence Insurance we have companies that will do builders risk, secondary homes and cabins. We guarantee the best Condo, Townhome and Renters Insurance coverage and prices.

Don’t settle for those companies that spend a ton on advertising and only represent one company. Don’t pay high insurance prices for those Super Bowl Commercials. Get choices and options. CALL 612.460.7796 for your Insurance in Minneapolis.

ASI

Struggling to find ASI home insurance? Call The Minneapolis Insurance Specialists Team 612-460-7796 today and get an ASI-American Strategic Home insurance quote.

 

ASI selected the Insurance Specialists Team as one of a handful of agencies to roll out ASI home insurance in Minnesota.

Begun in 1997, ASI now sells insurance in 24 states and the District of Columbia, bringing in nearly $900 million in written premiums.  They are based in Florida.  It has about 330 employees. ASI is A rated excellent.

Get home insurance quotes from ASI and other top providers

Before you sign on the dotted line, make sure you’re investing in homeowners insurance you can count on. Compare top providers in Minneapolis, MN by checking their financial strength ratings from A.M. Best Company.

A.M. Best analyzes the ability of other insurance companies to meet their financial obligations to policyholders. For example, if you choose a provider with a lower A.M. Best rating, you may find yourself under-insured if a natural disaster results in a sudden rise in claims in your area. Get home insurance quotes in Andover from providers rated A or higher to ensure you’ll have the coverage you deserve.

A smart way to compare insurance, Minneapolis shoppers can call the Minneapolis Insurance Specialists Team and have local independent insurance agents – they represent many companies – not just one – compare policies and recommend the best policies for your needs.  You’ll compare easy and have choices and options.  It’s an easy fast way to save.

Find out what existing policyholders have to say about the service, rates and coverage they receive from ASI.  They pride themselves in providing excellent c;aims service.  In fact, their sales go up after big storms.  Because people see how well they handle claims and want to switch to ASI.

Call the Insurance Specialists team and get an ASI quote today!

 

ASIASI

Progressive Independent Agents and Brokers




Progressive independent agents and brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you. Insurance rates vary from company to company.  Progressive Independent agents can put together a customized insurance plan for you.

Independent agents compare policies and rates everyday. Whether its Progressive or other top insurance companies. Independent agents know how and where to get all the discounts. You will also have the correct coverage.

Wise people put pros on their side and save a ton of money, time, and get the best policies too….Why shouldn’t you?

If you’re ready to contact an independent agent to talk about saving money on car insurance, here are a few things to consider:

Has your life situation changed recently? Many factors determine auto insurance rates, not just vehicle year, make, model, body type and engine size. If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to an independent agent or broker. You may be eligible to save money on your car insurance. Get a quote here and receive at least three quotes to compare. It is a one stop shop. You will save time and money!

Did You Know?

Unlike captive agents, Progressive Independent Agents and Brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you. They can offer objective advice and more quotes.

Get a Progressive quote from the Minneapolis Insurance Team today!

 

Progressive independent agents

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