Does Homeowners Insurance Cover Plumbing?

Man fizes pipe that have burst inside a wall, best homeowners insurance.

What if your home could turn into a plumbing disaster area at any moment? 

That is certainly what it feels like when you have an emergency with your water, fixtures, drainage system, septic, and more. Such incidents can send you into a panic as you frantically try to answer questions like “Does homeowners insurance cover plumbing?” 

Do not worry: This guide walks you through which plumbing issues are covered by insurance and what plumbing issues are not covered by insurance. Keep reading to learn everything you need to know. 

Breaking Down the Coverage: When Does Homeowners Insurance Cover Plumbing? 

What does homeowners insurance cover when it comes to your plumbing issues? Generally, your policy should cover damage related to sudden and unexpected events. This includes when your pipes suddenly burst or your brand-new water heater springs a surprise leak. 

In short, most carriers will cover damage caused by accidents that homeowners had no real way of anticipating. Unfortunately, there are many other plumbing issues not likely to be covered by your policy. 

Cases When Homeowners Insurance Doesn’t Cover Plumbing 

While homeowners insurance may cover unexpected plumbing events that took you completely by surprise, many plumbing issues are not covered by your insurance. That is because policies generally do not cover damage caused by gradual problems, including leaking pipes. 

This also includes other damage (including water damage repair) caused by plumbing issues. For example, mold remediation is typically not covered by a standard homeowners policy. Check the fine print of your own policy to verify what is covered. You can always ask your carrier whether there are any special riders that will cover otherwise unprotected incidents, including events that require flood insurance

Couple holding buckets to catch water dripping from the ceiling, best homeowners insurance.

Ways to Prevent Plumbing Issues and Reduce Risks 

Most of your potential plumbing issues are not covered by standard homeowners insurance policies. With that in mind, there are a few easy steps you can take to protect your plumbing and avoid potential problems in the first place. 

For starters, be sure to address any problems (such as leaking pipes) right away before they can cause more damage. Avoid putting grease down any of your drains, and never flush so-called “flushable” wipes. Clear out clogs immediately and, when in doubt, contact a professional. Taken together, these tips will help you keep your home and family safe. 

Get the Best Homeowners Insurance Today! 

Now you know which plumbing issues are and are not covered by your existing insurance. But do you know where you can find superior coverage and customer service at the click of a button? 

Here at InsureOne, we strive to keep your family safe by protecting your home. When you are ready to discover the difference the right carrier makes, we are ready for you to get a quote online. Alternatively, you can pick up the phone and give us a quick call at 800-836-2240. Finally, feel free to come into one of our nearby offices at your earliest convenience!