Did you know there is an insurance policy that covers exterior water and sewer lines in our area? These can be the cause of major expenses when it happens and the premium seems reasonable. We received a letter from them this week and here is what it said:

Deteriorating infrastructure is a problem facing many towns and cities, including the City of Oceanside. Similar to municipal water and sewer infrastructure, the water service and sewer/septic lines on your property deteriorate over time. You are currently not enrolled in Exterior Water Service Line Coverage or Exterior Sewer/Septic Line Coverage from SLWA Insurance Services (SLWA).

The City of Oceanside has partnered with SLWA to offer optional protection for your water service and sewer/septic lines. Many homeowners are not aware that these lines on their property are their responsibility.

We are writing to you to provide you with an opportunity to accept protection against the costs of covered repairs if the lines break down. The exterior water service and sewer/septic lines on your property are primarily affected by aging and normal wear and tear. If a breakdown occurs and requires replacement, it may cost you thousands of dollars.

Without this optional protection, homeowners may be at risk for expensive water or sewer/septic line repair costs. For as little as $6.75 per month, eligible homeowners can take action to help prevent the unexpected burden of high repair bills for aging water or well sewer/septic lines.

This program is managed by SLWS, and no public funds were used for the mailing of this letter. SWLA Insurance Services, California License #OL71169, with corporate offices located at 4000 Town Center Boulevard, Suite 400, Canonsburg, PA 15317, is an independent company separate from your local utility or community and offers and administers this optional home protection plan as an authorized representative of Virginia Surety Company, Inc., 175 West Jackson Blvd., 8th Floor, Chicago, IL 60604, the home protection plan issuer. Your choice of whether to participate in this plan will not affect any service you have with your local utility or community.

Pricing and Terms: $14.85 per month covers you for both water and sewer/septic. $6.75 per month for water and $9.75 per month for sewer/septic. Benefit Amount: Up to $8,500 per service call with as many service calls as you need for covered water service line repairs. And also $8,500 per service call with as many service calls as you need for covered sewer/septic line repairs. 30-day wait period-includes a moneyback guarantee for both.