With regard to the Equipment Breakdown deductible the minimum is $500. However, if the agent/customer wants to provide higher deductible we are completely fine with that; the pricing does not change as it did previously with the Rockford authority. Also to confirm the maximum direct damage limit under the Equipment Breakdown authority is $100,000.  As a result, it is completely fine to place the limit on the policy at $100,000.

With regard to the service line the form outlines the coverage as follows

1.           Disruption means a leak, break, tear, rupture, collapse or electrical arcing of a buried utility line caused by or resulting from any of the following:

a.           Mechanical breakdown;

b.           Artificially generated electric current including insulation breakdown;

c.           Wear and tear, marring, deterioration, hidden decay, rust or corrosion;

d.           Freezing, including frost heave and thaw; or

e.           Weight of equipment, animals or people.

Disruption does not mean an obstruction or improper pressure of a buried utility line.

Buried utility line does not include:

a.   Any part of any underground pipes or underground wires that is beneath or within a body of water, including swimming pools, ponds, lakes or streams;

b.   Any part of any underground pipes or underground wires that is beneath or within the residence, or related private structures, except for driveways, walkways or patios

c.   Any underground pipes used to supply water to outdoor property, including swimming pools, hot tubs, fountains or ponds;

d.   Any underground pipes or underground wires that are not connected and ready for use; or

e.   Any underground storm drain pipes, including French drains, channel drains or other subsurface drainage pipes or systems, used to direct ground water or surface water away from the residence or related private structures on the insured location.

In other words, we cover all “disruptions” to service lines not under the home so things like the drain tile around the home would not be considered a “service” line.  A good way to think about it is that the lines must be buried and for utility; not in or under the home. I hope this helps, however please let me know if he has any additional questions. Also, if the agent does need a quick reference guide I have also attached a copy of the service line sell sheet. It also outlines what is covered and also provides some good claim examples.  Thanks again and please feel free to let me know if you need anything else!