Utility Line Expense Coverage
Utility lines run underground from your home to the public utility. A crack or weak spot in a utility line can lead to more extensive damage that can keep you from getting water, electricity, or power.
If a utility line is on your property, it’s not usually your municipality’s responsibility to get it repaired — it’s yours. Our utility line coverage can help cover reasonable and necessary expenses incurred for excavating, remediating, repairing, or restoring land or structures other than buildings.
This coverage is just $30 a year!
This coverage can be used to protect your underground:
- Communication line (cable or internet)
- Electric line
- Gas line**
- Sewer line*
- Steam line
- Water line*
The coverage limit is up to $15,000 with a $500 deductible.
* With municipal connection only. Wells and septic are excluded.
** Excludes propane heating systems.
With Hastings Mutual utility line coverage, you are protected against these perils:
- Bulging, rupture, bursting, or explosion
- Constriction or blockage
- Disconnection, separation, or detachment
- Electrical failure, including arcing
- Failure of pressure or vacuum equipment
- Implosion or collapse
- Leakage
- Mechanical failure
- Rust or corrosion
- Trees, shrubs, or plants
- Wear and tear, marring, or deterioration
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
Monday-Friday
8:00 a.m. - 4:30 p.m. (EST)
(800) 442-8277
