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- Hey, fellow homeowner. Lets talk about the all exciting topic of service lines. My guess is youve got water, gas, and electrical companies that all provide services to your home, so they are probably responsible for the service lines, right? Actually, no, you are. Okay, service lines can and do fail because of rust, wear and tear, insects, freezing. You get the picture. Replacing service lines can mean digging up your yard. You might even have to leave your place for a little bit. The service line, your yard, the hotel, it could cost thousands. Yikes. Heres the thing, most homeowner insurance policies dont cover service line failure, but you can add coverage that does. Now you know. Dont put all your money on the line. (soft bright music)