Homeowners insurance may cover water damage, but coverage usually depends on where the water came from and how the damage occurred.
A standard policy may cover sudden and accidental events such as:
- A burst pipe
- A broken appliance hose
- An overflowing washing machine
- Rain entering through a storm-damaged roof
However, homeowners insurance generally does not cover gradual leaks, poor maintenance, or external flooding. Sewer backups and sump-pump failures may also require additional coverage.
You can reduce your risk by inspecting appliance hoses, repairing leaks promptly, insulating vulnerable pipes, and installing water-leak detectors or an automatic shutoff device.
Contact our agency to review your homeowners policy. We can help you understand your water-damage coverage and identify endorsements or separate policies you may need.