A new product by Hartford Steam Boiler Inspection and Insurance Co. is designed to aid homeowners in the event an outdoor water, sewer or electrical service lines fails, causing damage to their homes.

The Hartford, Conn.-based company said that most homeowners don’t know that they own outdoor service lines and are responsible for repairs, as the damage is excluded under most homeowner policies.

The new service line coverage is added to the policies of other insurance companies and pays up to $10,000 per service line break, according to Harford Steam Boiler. The coverage is provided as an enhancement to a company’s homeowner policies, or packaged in an extended coverage endorsement, with a deductible that follows the homeowners policy.

The firm said it will adjust the claims and provide product training for agents and insurers.