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Water damage to your house may be covered by your homeowners insurance policy, depending on what caused the damage. Homeowners insurance covers plumbing damage from a burst or leaking pipe if it's sudden and unexpected, but water damage that's preventable or gradual usually isn't covered. Your homeowners insurance policy should cover any sudden water damage due to a plumbing malfunction or broken pipe

However, most policies exclude damage to your home that occurred gradually, such as a slow leak, or was caused by regional flooding From burst pipes to leaking plumbing, learn what homeowners insurance may and may not help cover. Additionally, some types of damage related to water, such as mold, may be excluded from your standard policy, depending on the cause

Homeowners insurance won't cover water damage due to poor maintenance

However, water damage from faulty plumbing or ruptured pipes is usually covered. Homeowners insurance usually covers sudden and accidental water damage, like burst pipes or a leaky roof But other types of water damage caused by floods, neglect, or wear and tear are excluded. If you have homeowners insurance, you already have some coverage for water damage

However, not all types and sources of water damage are covered by a standard home insurance policy We take a look at the ins and outs of what may and not be covered. Understand how home insurance handles water damage from a leaking pipe, including coverage factors, policy clauses, and common reasons for claim denials. Discover when your homeowners insurance covers water leaks and when it doesn't

Learn key distinctions between sudden plumbing failures, roof leaks, and gradual damage that affects your coverage eligibility.

Types of water damage not covered by homeowners insurance leaks caused by wear and tear or neglected maintenance plumbing, appliances, fixtures — all the things that handle water in your home — come under a lot of pressure, and over time their fittings and hoses need maintenance or replacement Failure to take care of them can cause leaks and water damage Most standard homeowners policies help cover water damage if the cause is sudden and accidental, but there may be situations that your policy does not cover

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