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Does Homeowners Insurance Cover Plumbing?

plumber fixing a kitchen zinc with homeowners insurance

Countless people find themselves asking, “Does homeowners insurance cover plumbing?” The answer is, “sometimes.” It depends on the nature of the plumbing issue and the policy you have. Find out more to understand when plumbing and drainage issues are covered, and when they aren’t. Then, you can move forward and call an emergency plumber or contractor if needed. 

When Does Homeowners Insurance Cover Plumbing?

You might find yourself asking, “Does homeowners insurance cover leaks?” It probably will, as long as the leak was due to an immediate plumbing failure, such as a ruptured water heater or a burst pipe. The same is true for a frozen pipe. If a pipe freezes and bursts, your policy should cover the water damage and, sometimes, even the pipe replacement. However, it’s unlikely that you can get your entire home replumbed. 

Plumbing Damage Coverage Options

Your insurance policy has three components that are related to plumbing and water damage. Look closer at these components to ensure that your homeowners insurance covers plumbing.

First, there’s the dwelling coverage. Dwelling coverage protects the roof, floorboards, and walls of your home. It even covers the water heater and other built-in appliances. It should kick in if you have water damage from a sudden leak, or the emergency plumber has to remove part of the wall to repair the pipe. This can save you tons of money. Considering that the average claim for water damage was $10,234 between 2013 and 2017, it’s easy to understand why insurance is so important. 

Next, you have property coverage. If your sudden plumbing issue damages your property, such as your furniture or TV, you should be covered. There are limits to property coverage and luxury items, though. For example, you might only receive $1,000 or $2,000 for expensive jewelry. You have the option of adding a rider to your policy to get more coverage, though.

Finally, you have additional living expenses coverage. You’ll use this coverage if you have to leave your home while the plumbing issue is fixed. The coverage will reimburse you for food, travel, and hotel expenses. 

What Isn’t Covered

woman trying to fix leak on kitchen sink with homeowners insurance

Damage caused by gradual plumbing problems isn’t covered. For example, if the damage was caused by deteriorated pipes that slowly leaked, your insurance company won’t help. 

Also, your policy likely won’t cover:

  • Clogged pipes
  • Damage due to lack of maintenance
  • Sewage backup
  • Mold damage

It’s also worth noting that while frozen pipes that burst are often covered, that’s not always the case. If you live in a cold climate and fail to prevent the pipes from freezing, your claim might be denied. 

Homeowners insurance covers plumbing when the problem wasn’t your fault. If it were your fault, you would be on the hook for the repairs. That’s why you need to maintain your pipes and fix issues quickly. 

Does Your Homeowners Insurance Cover Plumbing?

Check your policy to make sure that it covers plumbing. If it doesn’t, or you aren’t sure, reach out to a licensed insurance agent. They will help you get the coverage you need in case you have a plumbing problem.  

Protect your home and family with a homeowners insurance policy from Freeway. Start your free home insurance quote online, over the phone, or at one of our offices near you.

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