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Published on: June 23 2017
As your home ages, so does the exterior water service line that brings fresh water to your house. Leaks and breaks are usually caused by aging of the pipe, corrosion, extreme temperatures, settling or shifting of the ground. If this line fails, repair or replacement can be expensive and most basic homeowners insurance doesn't cover repairs to the line on your property.
With a repair plan from Home Emergency Insurance Solutions, you can get protection from time-consuming and expensive repairs. Exterior Water Service Line Coverage includes the emergency breakdown costs of locating, excavating and repairing leaks as well as replacing pipe segments up to the annual benefit amount.
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If your water service line fails, it can cause:
Most basic homeowners insurance and local utilities or municipalities do not cover repairing or replacing the exterior water service line that is damaged due to normal wear and tear, not accident or negligence. Buried pipes break—protect yours with an affordable plan from HomeServe USA and get protection from high repair costs with access to our 24/7 hotline where you can schedule a repair for your exterior water service line.
If you're unsure about your responsibility for the exterior water service line on your property, contact your municipality or local water company.
Exclusions apply. See Terms & Conditions.
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‡ National average repair costs as of January 2016. No charge for covered repairs up to your annual benefit amount.
Exclusions: Thawing of frozen pipes, repair to any water line that branches off the main water service line, and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply.
Eligibility: An owner of both a residential home permanently secured to the ground and the land it is located on may be eligible for coverage. Recreational vehicles or homes on wheels and properties used for commercial purposes are not eligible for coverage. Your property is not eligible if you are aware of any pre-existing conditions, defects or deficiencies with your exterior water service line prior to enrollment. If you live in a development community with a condominium, co-op or homeowners association, your exterior water service line may not be an individual homeowner's responsibility, so please check with your association before accepting this coverage. Benefit Details: Coverage provides, up to the benefit amount, for the covered cost to repair or replace a leaking, low pressure, or permanently blocked exterior water service line, for which you have sole responsibility, from Dublin San Ramon Services District's responsibility or external wall of your well casing to the water meter or shut-off valve inside your home, that is damaged due to normal wear and tear, not accident or negligence. Not covered: Thawing of frozen pipes, repair to any water line that branches off the main water service line, and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply. Making a Service Call: Your plan starts the day your order is processed, and there is an initial 30-day waiting period before you can make a service call, giving you 11 months of coverage during the first year. Upon renewal (if applicable) you will not be subject to a waiting period. Cancellation: You may cancel within 30 days of your start date for a full refund (or less any claims paid if cancelled at any time after renewal, where applicable). Cancellations after the first 30 days will be effective at the end of the then-current billing month, and you will be entitled to a pro-rata refund less any claims paid (where applicable). Most basic homeowners insurance policies do not cover repair or replacement of this line. If you find you have similar coverage, you can contact Home Emergency Insurance Solutions to cancel and you will receive a refund of your service agreement fee less any claims paid (where applicable). Renewal: Your coverage is based on an annual contract. Regardless of the payment frequency you select, your service agreement will be automatically renewed annually on the same payment terms you selected at the then-current renewal.
What should I know about this coverage?
Who is Home Emergency Insurance Solutions?
Home Emergency Insurance Solutions is an independent company providing emergency home repair services and protection solutions to homeowners. Accredited by the Better Business Bureau, Home Emergency Insurance Solutions protects over 2 million homeowners in the US and Canada and provides emergency repair plans through partners, utility companies, municipalities and directly to consumers.
Why did Dublin San Ramon Services District select Home Emergency Insurance Solutions?
Your home’s plumbing connects to the public water and waste water systems through your privately owned service lines. As a homeowner, you are responsible for the water service line that brings fresh water into your home from the water meter to the point of entry into your home and the sewer line that carries wastewater away from the outside foundation wall to the Dublin San Ramon Services District’s connection.
That is why Dublin San Ramon Services District has selected Home Emergency Insurance Solutions to offer optional, yet affordable, repair plans gainst costly and inconvenient repairs to your exterior water service line. HomeServe is currently offering a program to cover water line repairs and is developing a program for future sewer line coverage.
If I'm a Dublin San Ramon Services District customer, will Home Emergency Insurance Solutions charges show up on my Dublin San Ramon Services District bill?
No. Customers who sign up for these services will be billed directly by Home Emergency Insurance Solutions.
Does my homeowners insurance or local utility cover repairs to the systems around my home?
Many homeowners believe their utility companies or homeowners insurance is responsible for emergency repairs to the water, sewer, plumbing, electrical, heating and cooling systems, but the reality is that in many cases you, the homeowner, is responsible. Most basic homeowners insurance policies and local utility companies or municipalities do not cover repairs to or replacement of the major systems in and around your home.
After I purchase a plan, when does my coverage begin?
Your plan starts the day your order is processed, and there is an initial 30-day waiting period before you can make a service call, giving you 11 months of coverage during the first year. This prevents service calls on pre-existing conditions and helps keep the coverage affordable.
I need a repair. What should I do?
Step 1: If you should suffer a home repair emergency after your start date that is covered by your plan, call Home Emergency Insurance Solutions toll-free at 1-855-321-9859 and one of our customer service specialists will get you started on your service call.
Step 2: A local, licensed and insured technician will be dispatched to your home to make the covered repair or replacement.
Step 3: Once covered repairs are completed, you just sign a form to say you are satisfied and we pay the technician directly up to the annual benefit amount.
Who will come to my home to make the repair?
Homeowners who call with a covered emergency can rest assured that a local, licensed and insured technician will respond to the call and carry out the repair in a professional manner.
How do I cancel my plan?
You may cancel within 30 days of your start date for a full refund less any claims paid, where applicable, by calling Home Emergency Insurance Solutions at 1-855-321-9859. Cancellations after the first 30 days will result in a pro-rata refund less any claims paid, where applicable.
Home Emergency Insurance Solutions, California License #0F79326, with corporate offices located at 601 Merritt 7, 6th Floor, Norwalk, CT 06851, is an independent company separate from Dublin San Ramon Services District, and offers and administers this optional home protection plan as an authorized representative of AMT Home Protection Company, 2200 Highway 121, Suite 100, Bedford, TX 76021, the protection plan issuer. Your choice of whether to participate in this plan will not affect the price, availability or terms of service from Dublin San Ramon Services District.