Your Home Insurance Doesn't Cover Everything

Every part of your home is important, so don't let the small things fall through the cracks. The diagram below shows just how much of your home depends on line coverage - coverage your homeowners insurance will not provide.

Home Protection

(Unavoidable wear and tear)

  • Corrosion may occur on either indoor or outdoor utility lines and pipes, leading to leaks, breakage, or other costly problems.
  • A light switch stops working in your kitchen.
  • Your central AC unit suddenly stops working.

vs.

Homeowner's Insurance

(Covers mother nature)

  • High winds cause a tree to fall on your house breaking a window and damaging your siding.
  • A hail storm rolls through your area causing damage to  your roof.
  • Your sump pump fails during a heavy rain and your basement floods.

US_PieChart-27.jpg

 

 Why Line & Pipe Coverage? 

The water, sewer, gas, and electrical lines and pipes that run through your home are vital to its daily operation. The chart to the left ilustrates a few of the most common claims as reported by homeowner's insurance agencies. Non-weather related water damage is typically not covered and yet makes up about 19% of claim inquiries! While the water damage restoration may be covered, the costs of repairing or replacing your pipes is not. Don't be part of the 19% of homeowners with "uncovered" damage. There is good news though, programs like UtilityShield offer options to keep your wallet and your lines and pipes safe. 

Did you know?  Even theft sometimes isn't even covered! Check your policy to see if there is a maximum amount. You may need to investigate amendments to your policy that are called "riders".

HVAC Systems 

High energy bills are one of the biggest problems facing most households. Often due to leaks in a home's envelope or improper HVAC installation, providing coverage for your furnace, boiler, heat pump, central AC, and water heater can prevent the energy loss that leads to expensive bills...Don't settle for the high costs of a maintenance contract. 

Guaranteed Work

We care about the small things. We've provided coverage for over 10 years now, paying more than $9 million in claims. Our guaranteed work means when you have a problem, we send out local technicians for 12 months costing up to $34,000 in complete protection for repair expenses with no cancellation fees or deductibles.

Pick Your Protection

  • Inside Utility Line Protection
    $7.50
    Monthly

      Protection
      Inside:
    • Electric Wiring
    • Gas Lines
    • Water Lines
    • Sewer Lines

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  • Total Utility Line Protection
    $14.95
    Monthly

      Protection
      Inside and Outside:
    • Electric Wiring
    • Gas Lines
    • Water Lines
    • Sewer Lines

    • --
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  • HVAC Systems Protection
    $22.95
    Monthly

      Protection
      Covers:
    • Furnace
    • Boiler
    • Heat Pump
    • Air Conditioner
    • Water Heater

    • --
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  • Complete
    Protection
    $34.95
    Monthly

      Protection
      Inside and Outside:
    • Electric Wiring
    • Gas Lines
    • Water Lines
    • Sewer Lines
    • Also Covers:
    • Furnace
    • Boiler
    • Heat Pump
    • Air Conditioner
    • Water Heater

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