Mercury Insurance has introduced service line protection as an enhancement to its homeowners' insurance policy that offers up to $10,000 per occurrence for damage to exterior and underground service lines, including:
- Water piping, also known as a sewer lateral, which connects from the dwelling or other structure to a public water supply or private well.
- Sewer piping that connects from the dwelling or other structure to a public sewer or private septic system.
- Ground loop piping that connects to a heat pump.
- Piping providing heating including geothermal, natural gas, propane, and steam.
- Piping supplying compressed air.
- Power lines that provide electrical service to the dwelling or other structure.
"A majority of Americans can't afford a surprise repair bill, let alone the cost to repair a service line that averages $4,428," said Randall Petro, Mercury's chief claims officer. "Mercury Insurance's service line protection helps homeowners by covering the gaps in standard insurance policies and providing an extra security blanket."
Service line protection is available to Mercury's homeowners' insurance policyholders in Arizona, California, Georgia, Illinois, Nevada, New Jersey, Oklahoma, Texas, and Virginia.