Service line home owner responsibility graphic

Share Article

Share on facebook
Share on twitter
Share on linkedin
Share on email

Service Line Coverage

Who is responsible you, or the city?

As a homeowner you may not realize you’re responsible for underground service lines that run from city property lines to your home. The cost of repairing or replacing piping and wiring on your property can be costly and usually isn’t covered by standard home insurance policies. Service Line Coverage is an optional type of coverage that you can add to some home insurance policies to protect you from losses due to failure of these lines. This is a new coverage that is not offered by all insurance carriers.  Luckily Toole Peet Insurance has access to many different insurers and if this coverage is important to you we can look into placing your insurance with a carrier that offers this service line coverage.

A quick guideline to know where your responsibility starts.

Check out this helpful chart provided by one of the insurance companies that Toole Peet works with.  This chart shows where the home owner is responsible and where the city is responsible.  Often the city will visit a home owner and demand that they pay for a repair giving the home owner no choice but to repair it.

Know before you buy a new home

Did you know in Calgary property owners are responsible for all costs associated with maintaining and repairing the sewer line service connections from the buildings plumbing system all the way to the property line? Standard home inspections do not cover the structural integrity or condition of sewer or drainage line systems. The cost of replacing or repairing a main sewer line can cost $5,000 to $25,000. That is why it is critical for you to know the actual state of the sewer line and drainage systems before purchasing a property.

Share Article

Share on facebook
Share on twitter
Share on linkedin
Share on email

Connect With Us

Local Touch. National Strength

Choose a Quote Type

If you are a real estate agent looking for coverage, click here:

how can We Help?

You are in the right place.

Start your Quote

Choose an Auto Quote Type

This quote assumes no claims, convictions, lapses or suspensions.

This quote takes into consideration your driving and claims history.

Take a photo or upload a copy of your existing Auto Insurance policy.

Choose a Property Type

Property Quote

Get a Quote

The Right Insurance at the Best price

Get a Quote

The Right Insurance at the Best price

Quote Icon

Choose a Home Quote Type

Complete a few details to receive a quick quote today! a broker will contact you to get any additional details needed

Enter all of your details for a detailed Home owners quote today! Request to complete your application online.

Take a photo or upload a copy of your existing Home Insurance policy and let us compare for you.

Choose a Condo Quote Type

Complete a few details to receive a quick quote today! a broker will contact you to get any additional details needed

Enter all of your details for a detailed Home owners quote today! Request to complete your application online.

Take a photo or upload a copy of your existing policy and let us compare for you. Uploading your policy will allow us to evaluate your current coverage.

Choose a Renters Quote Type

Complete a few details to receive a quick quote today! a broker will contact you to get any additional details needed

Enter all of your details for a detailed Home owners quote today! Request to complete your application online.

Take a photo or upload a copy of your existing policy and let us compare for you. Uploading your policy will allow us to evaluate your current coverage.