Will home owners ins cover the underground pipes if they start to leak?

Answer 1

If the underground pipe, presumably the main sewage or main water line is leaking due to age, traffic or ground movement, then this is generally considered an owners maintenance issue and would not be covered under your Homeowners Insurance Policy. It's no different than if your toilet or sink got blocked up or sprang a leak.

It's probably just time to call a good plumber for a service or repair call.

If your home is a recent build or fairly new you may still have a Builders or Home Warranty in effect that could provide coverage.

Your Homeowners Insurance Policy typically provides Property Hazard insurance that covers certain sudden losses resulting from covered perils such as fire, lightning, wind, hail, theft, vandalism, etc.