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Service line coverage homeowners Carolinas can add is an optional endorsement for buried water, sewer, electric, gas, and communication lines on the premises. It is not part of a typical unendorsed homeowners form, and it does not replace water backup coverage or flood insurance.
Ordinance or law coverage can help pay extra rebuild costs when a South Carolina or North Carolina home must meet current codes after a covered homeowners loss. Dwelling Coverage A pays to restore the house as it stood, so code-upgrade work needs a separate limit, not a flood policy or a named-storm deductible.
Most Carolina homeowners policies do not automatically pay for sewer or drain backup. Water backup coverage is usually a chosen-limit add-on, and it is not a substitute for flood insurance.
