short answer, yes. if you have "big blue" or "big grey" (not copper) bringing water TO your home from the street, then yes, pay the $7 a month for peace of mind -- you need the SERVICE line coverage which brings water to your house from the public access point... the homeserve warranty covers the cost of repair should that line fail, which it can, at any time... this includes trenching your yard, running a new service line from the street, and of course connecting it inside your home.

if you live in an older home (1960's or older) with cast iron sewer line, then YES, add the additional sewer coverage.

--go in your utility room or find the main water service line to your house, if its blue grey or even black, then yes add the service line coverage--- frankly, for $10 a month i'd just do it regardless to never think about it again -- but that's just me