Does Homeowners Insurance Cover Plumbing?

a home insurance application form next to tiny model home and home insurance bindersProblems with plumbing can lead to some severe water damage if left unchecked. Even a simple clogged toilet can wreak havoc if you ignore it. If you’re struggling with water damage from plumbing troubles, you must know whether your home insurance will cover you.

Does homeowners insurance cover plumbing? What can you do if you experience plumbing issues?

You should know what your insurance can and can’t cover, from leaky pipes to sewage backups. Here’s everything you need to know about your home insurance policy.

Does Homeowners Insurance Cover Plumbing?

Most homeowners insurance policies will cover problems caused by faulty plumbing or sudden accidents. For example, hidden leaks you couldn’t detect can lead to serious water damage; your insurance plan will take care of this.

Your home isn’t the only thing that insurance will cover. There are a few different coverages that your insurance plan may include, such as:

  • Dwelling coverage, which protects your home as a whole
  • Other structures coverage, which will protect buildings or structures next to your home, such as a tool shed or separated garage
  • Personal property coverage, to protect any of your belongings that take on water damage because of faulty plumbing
  • Loss of use coverage, which will kick in if you need to spend any time outside of your home while the damage is repaired

Your insurance plan will limit the exact amount you can receive in compensation, so be sure to look at your homeowner’s insurance to find more specific information. You will need to file a home insurance claim before you can get compensated. If you have any doubts or concerns, speak with an attorney to determine your options!

What Won’t My Insurance Cover?

While your home insurance plan may cover most plumbing problems, there are situations that your plan won’t cover. Most of these issues stem from general neglect of your plumbing system. If the problem could have been avoided reasonably, you will be out of luck.

Obvious Leaks That Lead to Mold, Mildew, or General Water Damage

Hidden leaks that cause mold to form are one thing, but if you can visibly see the leak and could have repaired it, then you won’t be compensated. Any mold or mildew that forms from water damage will be your responsibility. The same applies if the leak causes water damage to your home or belongings; you will be liable for any repair or replacement costs for the damages.

Sewer Line Backups

Most home insurance policies do not cover sewer line backups and clogged pipes. If your toilet or sewage system overflows and causes water damage, you will be responsible for the repair costs.

Frozen Pipes That Burst

Have you neglected to check on your pipes during the cold winter months? If so, then you should check on them. Should they freeze and burst because of your neglect, your insurance company will not pay for the damages. Make sure you take the proper steps to protect your pipes for winter!

Signs Of Leaky Pipes

Are you concerned about potential leaking pipes hiding behind your walls? You can watch for some signs that point to damaged and leaking piping.

Your first sign of a leak will be the appearance of the wall; is it distended or distorted? Has it become discolored or stained? These are all indications of water damage behind the wall.

You can also listen for subtle sounds behind the wall. Pick a time when the home is quiet and lean against the wall where you suspect the leaking pipe is. You may hear dripping or running water just behind the wall.

A final indicator will stand out even if you can’t immediately see or hear the leaking pipe. Have you noticed musty, acrid odors in certain rooms of your home? Water damage can lead to mold and mildew buildup, giving off distinct scents. When you smell something off, start running a dehumidifier or fan in the area to prevent mold growth.

What Should I Do If I Detect Possible Plumbing Problems?

When you encounter plumbing problems, contact a professional for help. While you may be able to take care of basic toilet clogs or visibly damaged pipes, a plumber will know how to fix your situation before you experience extensive water damage.

Before you clean up the mess, get photo documentation of the damages for your insurance company. They will want to know exactly what happened when you file your claim. The more images you have, the better!

Remove your belongings away from leaks to protect them from water damage. This is especially important when dealing with electronics! Keep everything elevated and away from the floor to keep you and your belongings safe.

Finally, opening windows and running dehumidifiers or fans will help prevent mold and keep water damage to a minimum until help can arrive. Hang out any soaked mats or rugs and clean up standing water with a vacuum or sump pump.

Prepare Yourself Before An Accident Happens

Now that you know the answer to the question, “Does homeowners insurance cover plumbing?” You can rest easy knowing that your troubles will be taken care of. Contact a plumber with your plumbing problems and talk to an expert if you need help filing an insurance claim!

Are you looking to buy homeowners insurance but don’t know where to look? We’re here to help. Contact us with your questions about our insurance policies, and continue reading our blog for more helpful tips today!


Does homeowners insurance cover plumbing repairs?

Homeowners insurance typically covers sudden and accidental plumbing issues, such as burst pipes or leaks, that cause water damage to your home or personal property.

What types of plumbing issues are typically covered by homeowners insurance?

Homeowners insurance may cover damage caused by plumbing issues such as burst pipes, sudden leaks, plumbing system failures, and water damage resulting from these incidents.

Are there any plumbing issues that homeowners insurance does not cover?

Homeowners insurance usually does not cover damage from gradual wear and tear, lack of maintenance, or neglect of plumbing systems. Additionally, damage caused by flooding or sewer backups may require separate flood insurance or sewage backup coverage.

Does homeowners insurance cover the cost of repairing or replacing damaged plumbing fixtures?

Homeowners’ insurance may cover repairing or replacing damaged plumbing fixtures, such as pipes, faucets, and fixtures if a covered peril causes the damage. However, coverage limits and deductibles may apply.

Will homeowners insurance cover the cost of water damage resulting from a plumbing issue?

Yes, homeowners insurance typically covers repairing water damage to your home and personal property caused by a covered plumbing issue. This may include damage to walls, floors, ceilings, and belongings affected by water leaks or bursts.

What should I do if I experience a plumbing issue and need to file a homeowners insurance claim?

If you experience a plumbing issue that damages your home or property, document the damage, take steps to mitigate further damage (such as shutting off the water supply), and contact your insurance provider to file a claim. An adjuster will assess the damage and guide you through the claims process.

How can I prevent plumbing issues and avoid insurance claims?

Regular maintenance of your plumbing system, such as checking for leaks, insulating pipes in cold weather, and addressing minor issues promptly, can help prevent more significant plumbing problems and potential insurance claims. Additionally, consider investing in a home warranty or plumbing coverage for added peace of mind.