{"id":5314,"date":"2019-02-21T13:56:02","date_gmt":"2019-02-21T19:56:02","guid":{"rendered":"https:\/\/www.noyeshallallen.com\/blog\/?p=5314"},"modified":"2024-05-29T14:01:36","modified_gmt":"2024-05-29T20:01:36","slug":"which-is-better-portland-maine-water-district-homeserve-or-homeowners-insurance","status":"publish","type":"post","link":"https:\/\/www.noyeshallallen.com\/blog\/which-is-better-portland-maine-water-district-homeserve-or-homeowners-insurance\/","title":{"rendered":"Which is Better? Portland Maine Water District Home Serve Plan or Homeowners Insurance?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The Portland Maine Water District offers Home Serve service agreement products. There are three options: exterior water lines, exterior sewer lines, and interior plumbing. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Does a water district plan duplicate coverage you already have under your homeowners?<\/li>\n\n\n\n<li>Can you buy water or sewer line coverage from an insurance company?<\/li>\n\n\n\n<li>Is it cheaper to buy water line coverage from an insurance company, or the water district?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">We&#8217;ve created a spreadsheet comparing what&#8217;s covered by the water district plans with what insurance products cover. We&#8217;ve also outlined the cost and benefits of each. This 11 minute video reviews it in detail: <\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/soapbox.wistia.com\/videos\/IrwdSrZYRm\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2019\/02\/water-district-vs-insurance.jpg\" alt=\"\" class=\"wp-image-5315\" srcset=\"https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2019\/02\/water-district-vs-insurance.jpg 800w, https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2019\/02\/water-district-vs-insurance-300x169.jpg 300w, https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2019\/02\/water-district-vs-insurance-768x432.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">If you prefer to look at the spreadsheet yourself, here it is:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2019\/02\/water-district-vs-insurance-spreadsheet.jpg\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1014\" height=\"651\" src=\"https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2019\/02\/water-district-vs-insurance-spreadsheet.jpg\" alt=\"spreadsheet comparing Portland Maine Water District water sewer line plans with insurance\" class=\"wp-image-5316\" srcset=\"https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2019\/02\/water-district-vs-insurance-spreadsheet.jpg 1014w, https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2019\/02\/water-district-vs-insurance-spreadsheet-300x193.jpg 300w, https:\/\/www.noyeshallallen.com\/blog\/wp-content\/uploads\/2019\/02\/water-district-vs-insurance-spreadsheet-768x493.jpg 768w\" sizes=\"auto, (max-width: 1014px) 100vw, 1014px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Some of the key differences between the plans:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Not every insurance company offers service line coverage yet. It&#8217;s getting more popular all the time. <\/li>\n\n\n\n<li>Insurance coverage limits are generally higher than the water district plan.<\/li>\n\n\n\n<li>The water district plan is actually a service agreement, not an insurance policy.<\/li>\n\n\n\n<li>Insurance has deductibles. The water district service agreements don&#8217;t.<\/li>\n\n\n\n<li>No waiting period for insurance. 30 day wait for service agreements.<\/li>\n\n\n\n<li>Insurance allows you to choose your own contractor. The water district plan requires you to use theirs. <\/li>\n\n\n\n<li>Pre-paid water district service agreements cover the cost to clear blocked pipes. Insurance does not cover maintenance issues like this.<\/li>\n\n\n\n<li>Insurance covers costs to live elsewhere during repairs after a plumbing or sewer disaster. The water district plans do not.<\/li>\n\n\n\n<li>Insurance costs 66% to 90% less than water district plans. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><br><strong>Choose a Water District Plan If:<\/strong><br>&#8211; you prefer to pay more for the security of no surprises.<br>&#8211; you don&#8217;t want to pick your own contractor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Choose Insurance If:<\/strong><br>&#8211; you can handle a $500 or $1,000 deductible for a much lower cost.<br>&#8211; you want to use insurance for &#8220;the big stuff&#8221; like crushed lines, not smaller plumbing issues. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have questions about Greater Portland Maine property insurance, <a href=\"https:\/\/www.noyeshallallen.com\/meet-our-team.html\">contact a Noyes Hall &amp; Allen Insurance agent<\/a> in South Portland. We offer a choice of many of Maine&#8217;s best insurance companies. We can help find the best fit and value for you. We&#8217;re independent and committed to you. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Portland Maine Water District offers Home Serve service agreement products. There are three options: exterior water lines, exterior sewer lines, and interior plumbing. We&#8217;ve created a spreadsheet comparing what&#8217;s covered by the water district plans with what insurance products cover. We&#8217;ve also outlined the cost and benefits of each. This 11 minute video reviews [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,3,13],"tags":[7,36],"class_list":["post-5314","post","type-post","status-publish","format-standard","hentry","category-condo-insurance","category-home-insurance","category-homeowners-insurance","tag-living-in-maine","tag-saving-money"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Portland Water District in Maine offers HomeServe agreement to its customers. Many insurance companies also offer service line coverage. Which is better?\" \/>\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"Bob O&#039;Brien\"\/>\n\t<meta name=\"google-site-verification\" content=\"_hqlxLP3VO63pdIxr30JzFvNSXhYUJsYf1sYIbJiXgA\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.noyeshallallen.com\/blog\/which-is-better-portland-maine-water-district-homeserve-or-homeowners-insurance\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.4\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Noyes Hall &amp; Allen Insurance |\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Should I Buy Water District Sewer Line Coverage? - Portland ME | Noyes Hall &amp; Allen Insurance\" \/>\n\t\t<meta property=\"og:description\" content=\"Portland Water District in Maine offers HomeServe agreement to its customers. 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