Underground Utility Line Endorsement

[Elle Bindra]

I recently had a big surprise (and bill!) when my sewer line had to be replaced on a rental property and I found out that it was not covered under my insurance policy.  Seemed everyone was in the know except me that I needed to have an underground utility line endorsement on my landlord policy.  As I get quotes from insurance agents in the Syracuse area I am realizing that not all companies offer this coverage.  Just wondering if others in the Syracuse area have encountered this problem and what they have been doing?