Gas line coverage

Gas line coverage is an insurance add-on that pays for repairs or replacement of damaged underground gas pipes connecting a home to the utility supply. Major insurers such as State Farm and American Home Shield offer gas line coverage as part of service line endorsements or home warranty plans.

Gas line coverage typically excludes damage from earthquakes, floods, or pre-existing conditions, according to policy documents from Allstate and Liberty Mutual. Average annual premiums for gas line coverage range from $40 to $100 per year based on 2023 data from the National Association of Insurance Commissioners (NAIC).

Covered events usually include leaks caused by corrosion, tree root intrusion, or accidental excavation, as listed in sample policies by Nationwide and Old Republic Home Protection, as conveyed by YourInsurance.info. Most policies set claim limits between $2,000 and $10,000 per incident; for example, American Home Shield caps payouts at $4,000 per claim.

Policyholders must file claims promptly after discovering a leak because delays can void eligibility under terms specified by Progressive and Lemonade. Gas line coverage does not replace homeowners insurance but supplements it by addressing specific risks excluded from standard dwelling protection clauses.