Even though your Homeowners insurance policy provides great coverage it still contains some necessary exclusions like “wear and tear” or similar wording to limit claims to sudden and accidental causes rather than from just wearing out or lack of maintenance.
We want to make you are aware of new choices that plug some holes in coverage. Safeco Insurance is offering two new endorsements for a small additional premium that we expect will also be available in other companies over time.
Water Seepage or Leakage* – Water damage from broken pipes is covered but repeated or continuous water seepage or leakage is excluded. These kinds of losses can often go undetected behind a wall or under cabinets and flooring making them difficult for a homeowner to prevent even with diligent effort.
Service Lines* – Damage to underground utility lines (for example - water, electricity, waste disposal, and communications), is excluded. When they eventually fail due to wear and tear, the cost to the homeowner is immediate and expensive.
For full details and quotations please contact your American Insurance agent.
* Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with a principal place of business at 175 Berkeley Street, Boston, MA 02116. This article is for information purposes only. All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.
The content of FAQ articles are general in nature and are not intended as a substitute for professional legal, financial, or insurance counsel for individuals. Insurance coverage forms vary by issuing company and by state. For specific advice contact us.
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