Whether your homeowners insurance covers a water main line repair depends heavily on the individual policy. Some policies cover all water main line repairs, but many do not.  A common theme for insurers is to cover only unforeseen and acute problems, such as a burst pipe, but not to cover wear and tear and gradual damage, such as a slow leak. Some insurers will also cover the damage caused by the water line problem, including black mold remediation, carpet and flooring claims, and other possessions and services, but will not cover the pipe repair. Check your policy wording carefully.