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are your utility service lines covered?

Water, gas, electricity; These are just a few services to your home that you depend on every day. A disruption to one of these service lines means more than a cold shower. Pipes and service lines on your property are usually your responsibility, not the service provider’s, and a standard homeowners insurance policy doesn’t cover many common causes of damage to service lines. This means repair or replacement of the line could end up costing you thousands. Fortunately, many insurance companies are now offering a service line coverage endorsement option to homeowners policies.

What Service Lines Can Be Covered?

  • Natural gas
  • Electricity
  • Drainage pipes
  • Steam
  • Water
  • Waste disposal
  • Communications

What Does It Cover?

  • Normal wear & tear
  • Rust & corrosion
  • Mechanical breakdown
  • Weight of vehicles, equipment, etc.
  • Freezing
  • Rodent / Insect damage
  • Collapse
  • Tree roots

The cost to add this coverage your home insurance is often less than $50 per year. The specific coverage and price may vary depending on the insurance company, so it’s important to review with us.

making a homeowners claim  

The Claim Game, Homeowners, from the Insurance Information Institute, opens the door to a whole new understanding of the claim-filing process.

Watch the Video

property damage liability

Property damage liability coverage covers damage you cause to another party behind the wheel.

Watch the Video


Our Location

Dean Olson Insurance Agency

Dean Olson Insurance Agency

3570 Lexington Ave North Suite 201
Shoreview, MN 55126
Main office: 651-633-0408

Our Providers

“I never doubt Dean's integrity, meaning he is working to find the best product that meets my needs at the best price.”
Mary Daniel
“Dean is always quick to respond and offer the most helpful advice! I know he is always looking out for our best interest!”
Nicole Demuth
“Dean, you are thoughtful about the policies you offer. They make good sense for my needs. You also provide outstanding service. Lastly, you are very personable and a pleasure to work with.”
Louis Tschudy
“When we unexpectedly had a problem with our auto coverage, it was very helpful to be working with an insurance broker who had experience and knowledge of multiple insurance companies. Dean was very thorough and worked with us on a tight timetable, following our move to the area.”
Ross Johnson
“Dean has always been very good with all our insurance needs always gets us the best price possible and takes his time talking with us always prompt getting back to us.”
Glenn Swanson
”Dean takes the time to explain complicated insurance issues in plain language. He learns about your individual situation and helps you to pick the insurance that's right for you, and that something you can't get from a website or an app.”
Conrad Workman
“Newer customer who left American Family after 30 years due to service. Met with Dean and he reviewed my existing coverage and sourced multiple companies to find the better coverage and provide cost savings over my old coverage.”
Jan Aamodt
“I’ve learned more from Dean about insurance than I’ve ever learned before. He has patience to answer questions and I feel like he truly looks out for my best interest!”
Rhonda Gasiorowski
“For two decades we have been working with you on all our insurance needs. Always we have received timely service, great info and high quality product at a fair price point.”
Oliver Papp
“Dean has been easy to reach for questions, extremely kind and caring in explanations, and great about helping me with the best insurance options available.”
Michelle Horn
“Dean is always helpful. Always answers questions honestly and immediately always great advice.”
Mary Kappel
“You have always been available to answer any questions or needs we might have. You compared and found us the best cost effective insurance for our needs.”
Gary Savage
“I have recommended you to my son and others. Thanks!”
Stephanie Nustad