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you need this coverage get it now as a homeowner youre responsible for a lot of things but theres probably one thing that you didnt know you were responsible for and its a huge thing you see that sewer that runs down the middle of your street it actually has lines that go into each individuals home as well and theres not only sewage lines but theres also a bunch of other utility lines that are running from the street or sidewalk through your front yard and into your house and did you know that youre responsible for those utility lines when theyre in your front yard into your house if something happens and theyre broken or damaged you as the homeowner are responsible many times your home insurance will cover damage that happens inside the home from these broken utility lines outside the home but when it comes to digging down and replacing and repairing these lines in your front yard a normal home insurance policy is not going to cover those things however most homeowners insur