Notes

Does Homeowners Insurance Cover Water Damage?
Learn the ins and outs of when water damage might be covered by house insurance.

Water in your home-whether from wind-driven rain or leaky plumbing-can do severe damage to your home. In time, it can rot your walls, motivate mold growth, and even damage the joists and beams that support your home. So, does a standard house owners policy cover water damage? Here's what you require to understand.

It depends. While long-term water damage typically isn't covered under a typical home policy- making the instant reporting of an issue all the more important-coverage depends on the source of the water that caused the damage. Some circumstances when your property owners insurance coverage typically covers water damage are:

Wind-driven rain.

Roof leaks caused by an unexpected occasion, like a wind storm.

A leaking or broken pipe.

A dripping appliance such as a washing machine or a dishwasher. (While your policy might help tidy up the mess, it typically will not cover the cost of repairing the home appliance.).


Water that was utilized to put out a fire, such as water from your home's lawn sprinkler or a firefighter's tube.


If my home is damaged by water, what will house owners insurance coverage pay for?

A standard homeowners policy might cover damage to items like irreversible carpets, walls, floors, and paint, but again, it just depends.

If a pipe breaks, you may be covered for water damage to your house, but your policy typically won't pay to fix or change the pipe itself.

Will my house owners insurance cover damage caused by flood waters?

Damage triggered by flood water, the outcome of a naturally occurring event, is normally covered by a flood insurance policy and is separate from your property owners policy. If you are concerned about flooding, call your insurance coverage representative to go over whether you require a flood insurance plan.

When doesn't house owners insurance cover water damage?

Standard house owners insurance usually does not cover water damage from:

An earthquake, landslide, or mudslide. While these occasions aren't covered under a standard home policy, you can acquire earthquake insurance coverage to cover earthquake-related woes, consisting of water damage.

A natural flood, levee break, or tsunami. To get flood protection, you can buy an optional flood policy.

Negligence. If you fail to fix a plumbing problem, or switch off the heat in your house before embarking on vacation and your pipes freeze and burst, you're on the hook.


Read your house owners insurance coverage to identify precisely what is and isn't covered, so if something ought to take place and your home sustains water damage, you'll be prepared.

Don't wait up until disaster strikes. If you're shopping for insurance or have concerns about your current policy, call an acclaimed AAA insurance coverage representative. AAA insurance coverage agents can help you discover the right protection for your requirements. Call (877) 323-4222 or demand a quote online to get going.

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The availability, credentials, and quantities of protections, costs and discounts may vary from one state to another and there might be coverages and discounts not listed here. In addition, other terms, conditions, and exemptions not described above might use, and total cost savings may vary depending upon the protections bought. For additional information concerning your eligibility for specific protections and cost savings chances, please call your AAA representative. Insurance items in California provided by AAA Northern California Insurance Agency, License # 0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Insurance provided by CSAA Insurance Group, a AAA insurance provider.



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