Gas line
I worked for a water utility and the company offered the same service protection. The home owner owns the pipe from the street and all the plumbing in the house. We were a private water utility, I believe if the water was from a municipality this may be why some may get the plumbing covered and that would depend on where you live. The municipalities in my state also didn't cover the pipes from the street or in the house. I have the Teco policy that covers the gas lines, it is not that expensive.
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