| Provider |
Insurance Company (via endorsement) |
Utility company or 3rd-party (via warranty) |
| Applies to |
Lines you own or are legally responsible for — typically on your property |
May cover the line from your property to the utility main, including areas off your property |
| Claim Process |
Filed through your home insurance agent |
Filed with the utility plan’s service center |
| Contractor Choice |
You may choose your contractor (depending on insurer) |
Often must use provider’s contractor |
| What’s Covered |
Line repair/replacement, excavation, landscaping, temp repairs, ALE |
Typically just the line repair/replacement |
| Exclusions |
Damage beyond your responsibility, septic/well/sprinkler systems |
Damage on your property, landscaping, loss of use |
| Regulated By |
State insurance law (e.g., NC DOI) |
Contract law; may not be regulated as insurance |
| Cost |
Typically $20–$50/year for $10k–$20k coverage |
Monthly fee; varies ($5–$15/month common) |
