Typical PVC municipal water main being installed in Ontario, Canada (Photo credit: Wikipedia)The water service pipe is the pipe that brings the water from the city's water main to your home. The pipe is partially located on city property and although the city may be responsible to make repairs to the pipe for various reasons, when they have to do work on the parts of the pipe that is on your property, they are not necessarily responsible for repairing your property and land they damage in the process. This means that your trees, shrubs, walkways, driveways - basically anything they need to get through to fix this water pipe is at risk of being destroyed. The lawn may be all dug up and landscaping could definitely be affected. The city is not always obligated to pay for these repairs. Home insurance policies do not all automatically cover this kind of damage, however some companies do with a water service pipe endorsement. Usually the cost is under fifty dollars per year, and if you think about the hassle of repairing all your property after the city comes in to do repairs, you just may find this is one coverage that is well worth it.