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!

Safeco Workplace Discount Program

Great News!  We think you’ll love this 🙂

Expand your employee benefits package with exclusive savings on auto insurance.

We have a special deal that saves up to 30% on your insurance with workplace and other discounts.

As an independent insurance agency, The Insurance Specialists Team represents multiple carriers – not just one. This allows us to offer your business and your employees the best options for competitively priced insurance.

Working in partnership with Safeco Insurance®, one of the insurers that The Insurance Specialists Team represents, we’re pleased to offer an easy and convenient option that enhances your employee benefits package by helping your employees save on auto insurance – at no cost to you. The Safeco Insurance Workplace Discount Program offers your employees exclusive savings on Safeco® Auto insurance on top of the discounts Safeco already offers.

Safeco Insurance has been protecting individuals and families since 1923 and, in addition to auto insurance, offers:

  • Comprehensive auto, antique/classic car, home, motorcycle,  boat and RV coverage
  • 24/7 claims service
  • 24/7 Customer Service
  • Online account management tools
  • Local Insurance Specialists

We’ve made implementation easy. There is no cost to you, and your employees will have access to some of the best prices Safeco has to offer, making the Safeco Insurance Workplace Discount Program an easy choice for your business.

And as an independent agency, we are not employed by any insurer, which allows us to work on your employee’s behalf to help get them the coverage they need, even if the Safeco Insurance Workplace Discount Program isn’t the best option.

Please call IST today at 763.244.3735 to find out how to get started.

Safeco Insurance: The Value of an Independent Agent

Safeco Insurance

We represent Safeco insurance. Safeco consistently provides some of the best auto and home insurance rates in Minneapolis. They also offer business insurance, boat and motorcycle insurance.  Safeco is almost always in the top three of our carriers in coverage and price for Minneapolis. Their claims service is tops too.  Check Safeco insurance for Minneapolis house insurance and Minneapolis car insurance.

To get a Safeco Insurance Auto quote, Home Insurance Quote or Renter’s Insurance Quote online – use one of the buttons below or call 612-460-7796.

Whether you’re a new home owner, or one of the older homes in Minneapolis, we know how important your home is to you.  Some of the homes in Minneapolis need special consideration and need to be reviewed to ensure proper coverage.  Insurance for your home doesn’t just protect your house and property.  Safeco insurance for Minneapolis homeowners  also protects your belongings, yourself and your guests. You’ve put a lot of hard work into providing a home for yourself and your family. Call the Minneapolis insurance Specialists Team for personal advice on the best combination of home insurance coverage, value and price to protect your hard earned investment.

If you would like to access your Safeco insurance policy online use the bottom button.

Clients with the Minneapolis Insurance Specialists Team love being able to access their policies and the convenience of online.  They also love having local experts who they can trust if they need expert advice or assistance.

Safeco insurance offers great rates for all your insurance needs like motorcycle insurance, classic car insurance, insurance for RV’s and ATV’s.  Safco clients like being able to have all their insurance in one place and getting the multi-policy discounts.

 


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If you are an existing Safeco policy holder and have your insurance with the Insurance Specialists Team – you can access your policy here.


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If you would like to talk about Safeco insurance or get an insurance review at our Minneapolis office – call 612-460-7796 to schedule your appointment.