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Question DetailsAsked on 6/9/2017

who can we buy insurance for outdoor water & gas lines in Ohio Zip 45805

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You can - many Home Warranty (Angies List Search the List category is Warranty Companies - Home) do so - not that I am recommending getting it, both because you (over the long run) typically will pay about twice as much on the insurance as it will cover, and getting repair work actually done by most home warranty companies is like pulling teeth with pliers with no pain killer.

Also - gas lines the utility usually is responsible for to your meter, so the outdoor portion is typically only a foot or less from meter to wall. Personal underground lines (liek to a pool or barbecue or outdoor kitchen) typically only costs $150-250 for a plumber to repair a leak on so a service agrreement (especially since it typically has a hundred or two deductible) is not likely to pay off.

If you were going to get a maintance agreement (they are not actually warranties) Sewer would be my first choice of coverage to get - more likely to need that than for any other utility, though generally you will still be paying about twice the benefit level at least.

Note some utility companies also provide monthly fee coverage for on-premises utility lines (sometimes including inside wiring for power and phone and TV).

Outdoor water lines are rarely damaged, and generally go about 30-50 years before starting to leak, so unless you have reason to expect leakage (and a warranty will almost never replace a line that is hot with age - will only pay to repair the one leak spot), again you are likely to pay far more in wsrranty coverage than you will ever recover - better off setting up a home repair/replacement savings account yourself and put away $100-200/month or so toward repairs and necessary replacements. (Rule of thumb is expect 1-4% of full purchase cost (including appliances) in average annual expenses - around 1-2% can commonly cover it on the average for repairs only - 2-3% or sometimes up to 4% on older homes is needed to cover average repairs plus maintenance replacements of major appliances, driveway repaving, outside repainting, new flooring periodically, etc over the long run - basically all home repair/maintenance but NOT including upgrades/replacements for purely aesthetic purposes.

Note - some Homeowner's policies have fairly cheap riders available for that type of coverage.

Answered 3 years ago by LCD

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