Sometimes the HO policy will only cover the damage to your property not the line itself or any damage or sidewalks (in Philly esp you are responsible for your sidewalk.) I sold Allstate for years & they only covered the damage to your property (up to coverage limits) - only able to compare to Allstate prices, and I always found these types of policies provided better coverage for a better price (no deductible & no claim surcharge on HO policy.) It's like all insurance, you pay for it hoping you'll never have to use it, if you end up using it it pays for itself.