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Most standard homeowners' policies don’t cover water main line replacement costs because this project is considered wear and tear, not sudden damage. Check your declarations page for exclusions and talk with your agent about add-on service-line coverage if you want help footing the bill for your water main line replacement costs.

Yes—hire a licensed plumber any time the job taps into a city-owned line or local codes. Professional plumbers carry the right permits, tools, and insurance, and they know how to avoid costly mistakes that could flood your yard or trigger fines. Pros can also provide expert recommendations on the type of system and materials that will work best for your situation, and they can guide you on best practices for ongoing maintenance.