The everyday failures your policy quietly excludes
Not every expensive home problem starts with a fire or a tornado. Sometimes it is a drain that backs up into the house, an air conditioner that dies in July, or a water line that fails somewhere under the front yard. These everyday breakdowns are exactly the kind of thing a standard policy tends to leave out, and the repair bills are rarely small. These three coverages are built for them.
- Hidden gaps in everyday home systems
- Commonly Excluded
Water Backup
What it covers:
- Water that backs up through sewers or drains
- Overflow from a failed sump pump
- Cleanup, repairs, and damaged belongings
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- Systems wear out
Equipment Breakdown
Standard policies cover sudden damage from events like fire or storms, not the mechanical or electrical breakdown of your HVAC, water heater, or major appliances. Equipment Breakdown coverage helps pay to repair or replace eligible systems when they simply fail, often for a small added premium.
What it covers:
- Mechanical or electrical failure of home systems
- HVAC, water heaters, and major appliances
- Repair or replacement of eligible equipment
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- Your responsibility
Service Line
Most homeowners do not realize they are responsible for the buried water, sewer, electrical, and communication lines running from the street to their house. Service Line coverage helps pay to dig up and repair or replace those lines, plus the landscaping damage that comes with the work.
What it covers:
- Buried water, sewer, electrical, and data lines
- Digging up and repairing or replacing the line
- Landscaping damage from the repair work
- Click on the image below to view the full details.
- Additional Protection Resources
Extra layers of protection worth knowing about
Beyond your policy, these trusted partners help with two of the costs homeowners feel most: roof deductibles and home system repairs.
SOLA Insurance
American Home Shield
These resources are offered by third parties and are not insurance policies underwritten by Aneisha LeMonier Agency. Coverage details, eligibility, and pricing are set by each provider. The explanations on this page are for educational purposes only and are not a statement of policy terms. Actual coverage depends on your policy.