Harrisonville sets record straight on water line protection

HARRISONVILLE, Mo. - You may have received an offer in the mail. It is an insurance policy that covers your home's water or sewer lines between your house and the public access.

If one of those lines break, it can cost you thousands in needed repairs. Companies offering the policy usually blanket communities with these types of offers. 

People in Harrisonville just received something in the mail which appears to have been endorsed by the city.

Jerry Gibbs of Harrisonville Public Works department wants to set the record straight. 

The city is not endorsing this product. 

"The city wants to be clear that we are not endorsing or suggesting residents but the insurance policy from home serve," Gibbs said. 

Should you, as a homeowner, invest in a policy like this? 

Gibbs believes many times the answer should be “no” because those types of issues rarely happen.  

“It's really an insurance policy and it's a matter of risk and whether you have a low tolerance for risk or a high tolerance for risk,” Gibbs said. 

If you are considering buying this type of insurance policy, you might want to ask the public works department in your city how often homes in your neighborhood have unexpected water or sewer line breaks that the homeowner must cover. 

Also, make sure you read the fine print to understand what is covered and for how much.