Let鈥檚 spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about them when service is interrupted. And when that happens, you may be surprised by what your basic homeowners policy covers, and what it doesn鈥檛.
Did you know that, as a homeowner, you are responsible for the maintenance, repair, and replacement of service lines connecting to your house? Energy companies and other service providers are only responsible for the infrastructure up to where it connects to your property. That means that if one of your pipes freezes or your sewer line backs up into your house, you have to pay to fix it.
Consider this common scenario. You have a mature tree on the parking strip in front