Many Insurers offer an Underground Service Line endorsement that fills a coverage gap for homeowners, who often do not realize that they own the outdoor service lines from the street to their house, and from their house to a well, septic tank, or an out-building.

A service line failure is physical damage that results in a leak, break, tear, rupture or collapse of a pipe or arcing wiring.
Common coverage that forms part of this endorsement may include:
Loss of use -  hotels, meals, rent, or other living expenses when a family must leave their
residence because of a covered loss.
Expedited Expenses -  reasonable extra expenses to make temporary repairs and expedite permanent
repairs or replacements.
Excavation Costs - necessary and reasonable excavation costs required to repair or replace the
damaged underground service line.
Environmental & Safety Improvements - if an underground service line requires replacement due to a failure, the additional cost to replace with materials that are better for the environment, safer or more efficient that the materials being replaced.
Outdoor Property Extension - replacement of your outdoor property that is damaged due to a
service line failure. This may include shrubs, trees, lawn and driveways.

If you don't have this coverage on your policy, it is strongly recommended that you consider adding this endorsement. The coverage generally costs about $35-$50 for limits of $10,000 to $25,000.