Buried Utility Coverage

A little something extra to protect those underground utility lines.

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Buried Utility (BU) Coverage, or sometimes known as Service Line Coverage, is an endorsement available to homeowners that covers underground utility lines—like water, sewage or gas lines—as well as underground wires like electrical cable, or power lines, on your premises.


What is Buried Utility coverage?

Buried Utility (BU) Coverage is an endorsement for homeowners insurance that covers underground utility lines. BU offers coverage up to $10,000 for damage from a leak, tear, break, or collapse caused by any of the following:

  • A mechanical breakdown 
  • Artificially generated electric current 
  • Wear and tear 
  • Freezing 
  • Weight of people, animals, or equipment 

Why might you need it?

If you’re a homeowner you’re obviously responsible for your own maintenance costs, which can rack up thousands of dollars of debt. The price to replace or repair a utility line can be financially crippling, and as homes age, so do their underground utilities. Standard homeowners insurance usually won’t cover you for broken utility lines.

What does Buried Utility not cover?

There are a few types of property excluded from service line coverage at Lemonade, including septic tanks, water well-related damage, fuel tanks, and others. Damage caused by earth movement, windstorm, and certain other perils is also not covered. 

How much does it cost?

Service line coverage with Lemonade costs only $3.25/month. Do keep in mind that you’d have a $500 deductible, which would be applied to each buried utility claim. 


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.