Buried Utility Coverage
A little something extra to protect those underground utility lines.
Buried Utility (BU) Coverage, or sometimes known as Service Line Coverage, is an endorsement available to homeowners that covers underground utility lines—like water, sewage or gas lines—as well as underground wires like electrical cable, or power lines, on your premises.
What is Buried Utility coverage?
Buried Utility (BU) Coverage is an endorsement for homeowners insurance that covers underground utility lines. BU offers coverage up to $10,000 for damage from a leak, tear, break, or collapse caused by any of the following:
- A mechanical breakdown
- Artificially generated electric current
- Wear and tear
- Freezing
- Weight of people, animals, or equipment
Why might you need it?
If you’re a homeowner you’re obviously responsible for your own maintenance costs, which can rack up thousands of dollars of debt. The price to replace or repair a utility line can be financially crippling, and as homes age, so do their underground utilities. Standard homeowners insurance usually won’t cover you for broken utility lines.
What does Buried Utility not cover?
There are a few types of property excluded from service line coverage at Lemonade, including septic tanks, water well-related damage, fuel tanks, and others. Damage caused by earth movement, windstorm, and certain other perils is also not covered.
How much does it cost?
Service line coverage with Lemonade costs only $3.25/month. Do keep in mind that you’d have a $500 deductible, which would be applied to each buried utility claim.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of the policies issued, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states. Please note that statements about coverages, policy management, claims processes, Giveback, and customer support apply to policies underwritten by Lemonade Insurance Company or Metromile Insurance Company, a Lemonade company, sold by Lemonade Insurance Agency, LLC. The statements do not apply to policies underwritten by other carriers.
