Andres Dominguez III | 23 February, 2026
Imagine digging up your rental property’s front yard to repair a cracked Sewer Line–only to receive a letter from the insurance company denying the $15,000 claim. Unfortunately, this is the harsh reality many landlords in Utah face when they discover that their rental property does not have Service Line Coverage.
Many Utah Landlords assume this coverage is automatically included on their policy. In most cases, it is not. Service Line an optional coverage that must be intentionally added to your Landlord Policy. If you never requested it, there’s a good chance it isn’t there.
You can avoid this rude awakening by reviewing your current Landlord Policy today to confirm whether Service Line Coverage is included. If you’re unsure what to look for, call our office at 801-262-1551 and ask to speak with Andres, our Landlord Specialist. We’ll happily review your policy and help you identify any gaps in coverage.
What Is Service Line Coverage?
Service Line is an optional endorsement you can add on to a Homeowners or Landlord Insurance Policy. It provides coverage for damage to underground utility lines that run from the home to the street. Damages covered by this endorsement include if the line leaks, cracks, freezes, or if a tree root causes damage to the line. These service/utility lines are typically buried 2-4 feet underground, and coverage extends to:
- Water Line
- Sewer Line
- Electrical Line
- Gas Line
If one of these lines suffers damage or fails, this coverage can help pay for the cost to repair or replace the damaged portion of the line. Without this crucial coverage, repairs to underground lines are excluded from a standard Landlord & Homeowners Policy.
Coverage Highlights
Broad Coverage – Covered service lines include exterior underground piping and wiring providing one of the following services to the residence: communications, compressed air, drainage, electrical power, heating, waste disposal, and water.
High Limit and Low Deductible –Coverage ranging from $10,000 to $15,000 (depends on which company you go with). Some offer only $10,000, while others go all the way up to $15,000. However, the deductible is almost always a flat $500. Double-check with your carrier and your agent to confirm the limits and deductibles.
Excavation Costs – After a covered loss, provides coverage for the necessary and reasonable excavation costs that are required to repair or replace the damaged covered service line.
Expedited Repair or Replacement – Accelerates recovery by paying the necessary and reasonable extra costs to expedite repair or replacement.
Coverage for Outdoor Property – After a covered loss, provides coverage for outdoor property (including but not limited to trees, plants, lawns, walkways, and driveways) that is damaged as a result of a service line failure.
Is Service Line Coverage Available on Utah Rental Properties?
Yes–but not always. Eligibility for this coverage depends on the carrier’s guidelines. These guidelines change over time, and it’s important that you work with a knowledgeable agent who understands and keeps up to date with the latest updates. The most common restriction is property age. Many carriers do not offer SL coverage on properties over 50 years old OR built prior to 1960. That means a large percentage of older Utah Rental properties may not qualify. Fortunately, some companies do offer SL Coverage regardless of the property age (and our agency represents several of them). However, some companies will reduce the limit if the property is over a certain age. Eligibility depends on factors such as prior claims history, update year, and overall property condition. Consult with your agent to confirm what coverage options are available to you.
What If My Rental Doesn’t Qualify?
If your property does not qualify with any carrier, an alternate solution is getting the coverage directly from your utility provider. Dominion Energy has partnered with HomeServe USA, one of the largest providers of this coverage, as near as we can tell, offers the best and most convenient program to purchase Service Line if you cannot add it to your homeowner’s insurance. The link to add this coverage to your Dominion Energy bill is below:
Dominion Energy | HomeServe USA
How Much Does Service Line Coverage Cost in Utah?
When Service Line is added to your existing insurance policy, the cost can range between $48.00 and $86.00 per year, much less than other programs.
Key Questions Utah Landlords Should Ask Their Agent
- Is this endorsement on my current policy?
- What is the limit and deductible?
- If SL Coverage is NOT on my policy, is my property eligible for this coverage?
- What, if any, exclusions and limitations apply?
- Does the year built affect eligibility?
Conclusion
Not all Landlord Policies are built the same. Savvy landlords do their homework and regularly review their policies to ensure their rentals are properly protected with the appropriate endorsements and coverages. We invite you to call our office today for a free, no-obligation review of your current policies. Call our office today at 801-262-1551 OR submit an inquiry using the form below. Our Landlord Specialist, Andres, will personally review your coverage and respond within 24 hours or less.
Service Line Coverage Article | Utah Landlord Insurance Explained: Replacement Cost vs. Actual Cash Value
Dominion Energy | HomeServe USA
