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 HomeServe, you can get protection from time-consuming and expensive repairs. 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: Repair to any exterior water service line that branches off the main line, accidents and damage or negligence caused by you or others. Additional exclusions apply.
Eligibility: A residential homeowner with sole responsibility for the exterior water service line may be eligible for coverage. Residences not affixed to a permanent foundation, recreational vehicles and properties used for commercial purposes are not eligible for coverage. 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 or permanently blocked exterior water service line from your property boundary to the external wall of your home that is damaged due to normal wear and tear, not accident or negligence. Up to $750 annually is also available to repair or replace sidewalks/pavement located in a public easement that is damaged due to a HomeServe repair. Not covered: Repair to any exterior water service line that branches off the main line, accidents and damage or negligence caused by you or others. 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. This prevents service calls on pre-existing conditions and helps keep the coverage affordable. Cancellation: You may cancel within 30 days of your start date for a full refund; cancellations after the first 30 days will result in a pro-rata refund less any claims paid (where applicable). Most basic homeowners insurance policies do not cover repair or replacement due to normal wear and tear of this line. If you find you have similar coverage, you can contact HomeServe 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 and is billed on a bi-monthly basis through your utility bill. Your service agreement will be automatically renewed annually at the then-current renewal price. HomeServe is an independent company, separate from Louisville Water Company, providing emergency home repair services and protection solutions to homeowners across the U.S.
What should I know about this coverage?
Who is HomeServe?
HomeServe is an independent company providing emergency home repair services and protection solutions to homeowners across the U.S. Accredited by the Better Business Bureau, HomeServe protects over 3 million homeowners in the US and Canada and provides emergency repair plans through partners, utility companies, municipalities and directly to consumers.
Why is Louisville Water Company partnering with HomeServe?
We want to educate homeowners about their responsibilities and provide options (such as HomeServe) for protecting themselves if an emergency home repair is needed. These types of repairs can be costly; however, many homeowners are unaware of what they're responsible for on their property. It's important to know your responsibilities and options. Through due diligence, Louisville Water Company has determined that HomeServe's emergency home repair coverage is something that you may want to consider. Homeowners must decide for themselves if HomeServe is right for them. This coverage is completely optional.
If I'm a Louisville Water Company customer, will HomeServe charges show up on my bill?
Yes. Customers who sign up for these services from HomeServe will be billed directly on their Louisville Water Company bill.
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 HomeServe toll-free at 1-877-444-2480 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 HomeServe at 1-877-444-2480. Cancellations after the first 30 days will result in a pro-rata refund less any claims paid, where applicable.
HomeServe USA Repair Management Corp. ("HomeServe"), with corporate offices located at 601 Merritt 7, 6th Floor, Norwalk, CT 06851, is an independent company separate from Louisville Water Company and offers this optional service plan as an authorized representative of the contract issuer, AMT Warranty Corp., 59 Maiden Lane, 43rd Floor, New York, NY 10038. Participation in this service plan will not affect the price, availability or terms of service from Louisville Water Company.
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