The keyword is how the pipe is bedded sand or small material around pipe to prevent failure in the future.
Service line replacement around Anchorage can run as high as 10K to replace in the winter. 10ft depth of bury steam set to thaw before you dig in the winter. And disturbed soil will usually give you problems in the future.
Most utilities you are responsible from the key box to your house, have water utility come out and shut off key box. If you can still hear leak it may be there responsibility if its a leak at keybox valve or utilities side.
Most insurance likes to stop at footprint of the house look at your exclusions.
