MEDICAL PAYMENTS Medical payments coverage is intended for someone, not a member of the household, who is accidentally hurt and needs emergency medical treatment (a visit to the ER or an ambulance ride). It is a good faith coverage, and most policies offer $1,000 to $5,000 in coverage. HOMEOWNERS INSURANCE TERMS SERVICE LINE/BURIED UTILITY LINE COVERAGE Service line/buried utility line coverage is an optional coverage providing insurance against unexpected expenses related to damage to your property's underground water /sewer lines and other utility cables. Covered losses include, but are not limited to, wear and tear, rust and corrosion, mechanical breakdown, freezing or frost heave, and tree or other roots. WATER BACKUP Water backup coverage is an optional coverage that can be added to your homeowners insurance policy. It helps protect your home from damage caused by water backing up through the sewers or drains. This coverage can help pay for repairs to your home or for the replacement of items damaged by this water.
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