Chase is popping up allll over the Philly suburban area, may be making their way to you soon.

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.