Ensure your home his covered right down the line
As a homeowner, you’re responsible for all the utility and service lines on your property. These can be costly to repair or replace if something unexpected happens. Our home service line insurance gives you added protection when you need it.
Understanding your coverage
Key areas of home service line insurance
From watermains and electrical lines to sewer lines and internet or cable connections, the service lines on your property are important to your daily life. Home service line insurance is a convenient addition to your home policy that can protect your service lines and provide the following key coverages.
Excavation
If your service lines need to be excavated, this insurance can cover the cost to expose underground service lines in need of repair.
Outdoor property
If your outdoor property becomes damaged because of a service line failure, this can cover trees, plants, shrubs, walkways and driveways.
Loss of use
If you need to vacate your property due to service line damage, your policy may help cover the costs of additional living expenses until your home is restored.
Cost of repair
This can cover the extra cost to make temporary repairs if service lines are corroded, damaged by tree roots or crushed by equipment.
The Navacord advantage
Why Canadian homeowners trust Navacord
Homeowners from coast to coast look to Navacord Insurance for comprehensive home insurance that protects them from hidden risks.
Home insurance experts
Our experienced home specialists take the time to carefully review what your home insurance policy covers and can recommend adjustments to fill in the gaps where needed.
Tailored coverage
Backed by partnerships with Canada’s leading insurers, we offer various limits and deductible to ensure your home service line insurance works for you.
Claims support
Our in-house claims team is here to support you in the event of claim. We’ll advocate on your behalf to help ensure your claim gets resolved quickly and fairly.
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From small businesses to large corporations, Navacord delivers tailored commercial insurance and expertise across Canada.
FAQs for home service line insurance
Home service line insurance is an optional coverage that can help pay for repairs or replacement of underground service lines that connect your home to essential services. These may include water, sewer, electrical, internet, and cable lines. Keep in mind that coverage differs between insurance carriers. Some policies cover several types of service lines, while others may only provide protection for water lines. Be sure to check with your insurer to confirm what is included in your coverage.
You are responsible as the homeowner for all of the utility and service lines on your property. Typically, these service lines are not covered by standard home insurance. However, service line coverage can be easily added to your home insurance policy to fill the gap.
The service lines on your property can become damaged over time by corrosion, storms, tree roots, or equipment. Home service line insurance is an optional add-on for your home insurance policy that can help cover the costs of damages and repairs to service lines.
Some of the more common causes of home service line claims include wear and tear, rust or other corrosion, damage or collapse caused by plant or tree roots, mechanical breakdown, weight of equipment, animals, and human-caused damages.
The cost of home service line coverage varies depending on a number of factors such as the coverage limit and deductible amounts you choose. It may also be impacted by your home's location, and the age, condition and type of service lines on your property.
Home service line insurance quote