Michigan now has some options for "Service Line Coverage" in addition to your Home Owner's Insurance on your home. Not all carriers provide this extra coverage. You ask, "Do I really need this extra coverage?" That is only something that you can answer. As with any insurance coverage, it is for the unexpected.
You may want to have this insurance addition if you home is older and the service line is original to the home. Do you have trees near your service line that could possibly affecting the integrity of your service line? Is the water pressure in your home less powerful than it should be? A good idea may be to have your service line inspected by a plumber to see if there is any damage to it or any wear and tear.
Depending on the issue with the sewer line, a repair or replacement could cost upwards of $5,000. Your normal home owner's insurance does not usually cover this repair or replacement. The city does not usually cover it as well. It is normally the home owner's responsibility. If your insurance company does not provide it, reach out to my friend Tracy Colo at Insurance One to see if she can find an insurance company that can help. Don't wait until it's too late or you may be digging up your yard, investing lots of money and possibly cleaning your basement when the problems happen. You will want to compare the extra cost for the coverage as well as how much it will cover and if you have any deductibles. Happy Home ownership!