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We got a similar solicitation as well and living in Ca., the situation is as Michael describes, which sounds much like yours. I'm not sure if homeowners insurance covers a break, but it may. Even so, the likelihood of a break depends on a lot of factors including when the line was laid, not necessarily when the mains were put in. I chalk it up to a possible expense of being a homeowner and I'm too cheap to pay out $120/yr. for the unlikely possibility of a break. Your situation may be different, but I haven't even heard of one of my neighbors having a break in their supply line, outside of the area near the meter or their house--two areas that are easily accessible.

It's your call, of course, but I see it as a cash cow for the service provider as the odds of them covering a break is small. Since you live in a very cold climate, your risk may be significantly higher and the depth of the line may warrant such a policy. I can only comment for the circumstances in which I am familiar.

BTW, I've also gotten similar solicitations from companies for inside electrical and telephone and telephone wiring and gas lines from the meter to the house. I ignore them all.