Do you have insurance that covers your outside gas lines?

egpitt22 · March 2014

A neighbor had a gas leak a few weeks ago that was from his outside pipes...he had this insurance, so everything was pretty much covered but said if he didn't have that, he thinks it would have been outrageous to pay for. So of course, now I'm thinking we should add it on! Do you have it? And if so, did you go through the gas company or through an outside party?

AmandaJLewis · March 2014

we don't have that or the sewer/water line insurance either. Though we have considered the later based on the expenses related to the terra cotta sewer lines when we moved in. Of course the pain of that has faded... and I forget what we spent. But it was close to 10k. Like all insurance, it is probably nice when you need it.

gwennythepooh · March 2014

We have the water/sewer but I need to look into the gas line one. I had heard of the interior coverage, but not the exterior! Good to know.

Jcubed2003 · March 2014

Yes, we have it and it is through the gas company. There is periodically an odor of gas around our house and the lines are original (35ish years old). That being said, they will likely need to be replaced at some point and I don't want to think about the cost!

amyjoy18 · March 2014

We had it at our old house for gas, water, sewage at our old house. We opted not to get it at the new house for a few reasons.

1. The lines are all brand new
2. If they would need replaced, the only cost we would have would be the materials. Since DH has a machine for digging and can lay the pipe himself.

lishie · March 2014

We don't, but I need to get it. My parents just had a big leak that involved the gas company coming in, installing a temporary line, digging up their front yard and doing the repair.

My parents have insurance for all that, and exterior restoration.

Just the temporary line for two days would have been $500 otherwise. I think my dad said his costs $7 a month. Well worth it.

bride2003 · March 2014

I do not but get a card almost every month that offers it through gas company & I keep saying I need to get it. So funny that our parents have all these insurances & we are skeptical about them!

kris356 · March 2014

We don't. We probably should, we do have a gas line right of way in the middle of our back yard (we are the last house on our road with natural gas everyone else uses heating oil) and the meter is probably original. I am not sure how it works with the right of way, I should probably research that.

AmandaJLewis · March 2014

kris356 said:

We don't. We probably should, we do have a gas line right of way in the middle of our back yard (we are the last house on our road with natural gas everyone else uses heating oil) and the meter is probably original. I am not sure how it works with the right of way, I should probably research that.

if the main line leaks, you wouldn't be responsible for the repair. It is the line between the main and your house that is your responsibility. We also have a line run along the side of our property.

kris356 · March 2014

AmandaJLewis said:

kris356 said:

We don't. We probably should, we do have a gas line right of way in the middle of our back yard (we are the last house on our road with natural gas everyone else uses heating oil) and the meter is probably original. I am not sure how it works with the right of way, I should probably research that.

if the main line leaks, you wouldn't be responsible for the repair. It is the line between the main and your house that is your responsibility. We also have a line run along the side of our property.

Thanks for the info. Our meter is literally 500 feet from our house in the middle of the yard. The original owner got free gas for letting them do it, wish that passed on to the subsequent owners!

Nathan likes that they take care of the trees and brush along it. The downside is that we can't gate it to keep the neighbor kids from riding quads/dirt bikes through our property. Which isn't a big deal per se but they are kinda little arseholes about it. Nathan may or may not have hunted them down one day to yell at them. We will see if it helps.

egpitt22 · March 2014

Thanks for all of the input, off to do some research on it now, seems like it's a good thing to have! I never know with those things if they're just total scams or not worth it or what, but it seems like maybe this one is a good idea.

MrsAmers · March 2014

We do not. The gas company replaced the main line running down our street last year. In the process, they tested the existing lines from the street to the houses. Most houses on our street failed and had to be replaced. Not surprising for 100 year old lines. (They were intact, but failed the pressure test.)

Since the digging was part of the gas company's planned work, the plumber we hired only had to install the new line and hook-up the new meter. The bill was less than $500. Had we been paying $7 a month since we moved in 10 years ago, that would have cost us $840.

I'm not saying that insurance is a bad idea. But given the limited distance from our house to the street, we decided to take our chances rather than pay for insurance. If we had a huge lot and a long run to the street, I might feel differently.

valkaz · March 2014

We do have the insurance, and it's through our gas company. We pay around $120 per year for gas and sewage or water (I can't remember) insurance.

My parents had a leak last year, and they didn't have the insurance. Their yard had to be dug up, and they had to have the line replaced. It cost over $1000

waltsgirl102503 · March 2014

We also have the gas line coverage from the gas company It's not very much - and alleviates that fear of having a bill of thousands of dollars if something would go wrong.

Do you have insurance that covers your outside gas lines?

Re: Do you have insurance that covers your outside gas lines?

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