What Is Service Line Coverage, And How Does It Work in Manitoba?

August 3, 2021

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As homeowners, we know we’re responsible for our homes, our yards, our garages…All the things we can clearly see! But, did you know that you’re also responsible for all the underground service lines running below your property? It’s true! But many homeowners don’t know it.

If you own your home, then you’re on the hook for everything from the cable lines to the water piping to the power lines that connect your home to the outside world—including the utility lines that power your garage and shed.

Our mission with this post: Unearth the hidden truths about above- and underground service lines! We’re answering service line-related FAQs like what is service line coverage? how much does it cost? and what actually counts as a service line? And we’re doing our best to give you all the information you need to get your Manitoba home—and services lines—properly covered!

What Counts As A Service Line?

First and foremost, you need to know that the service lines you’re responsible for include the water lines, sewer lines, powerlines, utility lines and communication lines that run through, across, and under your property.

How Do Service Lines Get Damaged In Manitoba?

There are many ways that service lines get damaged in Manitoba. Your water pipe could crack or rupture from freezing temperatures. Your power line could be severed from a tree falling. Lines could become blocked for a number of reasons. And our big prairie storms could cause just about any type of damage to any type of line!

And even if only one of these lines is damaged suddenly, it’s important to know that you will be responsible for the costs to repair and/or replace them all. (This is why it’s so important to consider adding service line coverage to your home insurance policy!)

What Happens If A Service Line Breaks On My Property?

Service line breaks have two major, negative effects on homeowners:

  1. Expensive out-of-pocket repairs
  2. Potentially major service disruptions


That means that, depending upon the type and extent of the damage to your service lines, the financial costs associated with repairing or replacing them could be moderate to very high. And, that there would be at least some disruption to your services as you have the lines on your property repaired or replaced

Can I Get Service Line Warranties In Manitoba?

Unfortunately, no, there are no warranties on service lines in Manitoba. It’s up to you, the homeowner, to purchase the service line coverage you need to have lines repaired or replaced should they ever become damaged or broken.

What Is Service Line Coverage?

Service line coverage is a type of insurance designed to help you cover the costs associated with damage to your service lines.
Most service line insurance covers:

  • Damaged Lines (Including the costs to repair underground lines)
  • Excavation (The cost of digging up hard-to-reach lines)
  • Temporary Repairs (Costs associated with speeding up the repair process)
  • Outdoor Property (Costs associated with cleanup following repairs)
  • Extra expenses (Costs that result from displacement or loss of use from a service line)


But, it’s important to note that not every insurance company offers the same coverage for service lines, so there may be some variations in the policy options available to you. We recommend you  speak to an Insurance Consultant to learn about the specific coverage that’s available to you.

What Does Service Line Insurance Not Cover?​

Every insurance company has different wordings and exclusions worked into their coverage, so it’s important to read and understand what specifically is covered, or not covered, by yours.

Some potential items not covered could include:

  • Water well-related damage;
  • Fuel tanks;
  • Piping or wiring that isn’t connected and ready for use;
  • Septic systems; and
  • Wiring or piping that runs through a body of water.

Does Service Line Coverage Fall Under Home Or Utility Insurance?

Service Line coverage is extra coverage you can purchase and add-on to your home insurance policy. It’s not automatically included—so be sure to ask your Insurance Consultant to add this important, affordable coverage to your homeowner’s plan!

So, Is Service Line Coverage Worth It?

Yes, Service Line Coverage is absolutely worth it! Damage to service lines is often beyond our control and addressing it can be very expensive. Not having this coverage in place could cost you a lot of money and leave your home without essential services for days or weeks at a time. With SLC coverage, you give yourself the peace of mind knowing that if something should happen to your service lines, you have protection—and financial support.

Request A Service Line Insurance Quote

We can help you safeguard not just your home, but everything that’s in it, under it, and around it! Request a home insurance quote with Service Line Coverage and get started today.