Do the same rules apply with underground pipes?
You're usually responsible for the pipes that run underneath your land. These could include water, gas and sewage pipes, as well as electricity and TV cables.
If you notice a leak, trace and access cover could help pay for the cost of any investigative work to identify the problem. If your drain is damaged, then check your policy includes cover for drains, pipes and cables, which should provide cover for tree root damage to pipes, for example.
Or use our comparison service to compare home buildings insurance find a policy that includes trace and access cover.
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*For the period 1 March to 31 May 2018, 5,407 people responded to the question "Overall how easy was it for you to get a quote" for home insurance: 4,716 responded with a score of easy or very easy (87%).