You are currently viewing Plumbing: What’s Covered & What’s Not Under Homeowners Insurance
  • Post last modified:January 17, 2022
  • Post category:Homeowners Insurance

Is your plumbing system giving you problems? Whether you’re dealing with a leaky faucet, clogged drains, or faulty pipes, homeowners insurance covers some damage to your plumbing system.

When you buy homeowner’s insurance, you expect to be covered for everything from a fallen tree branch to a flood. It’s just good business sense: everyone needs home coverage. But how much does your policy cover? You might think that it covers everything.

But that’s not the case. In fact, your homeowner’s insurance policy has some limits on what it will cover.

Our blog will help you understand all the ins and outs of plumbing under your homeowners insurance policy.

Plumbing Issues That Homeowners Insurance Covers:

Typically, you need to add some additional covers to your homeowner policy or get a home warranty to ensure maximum protection in case of plumbing malfunction. However, with the default homeowners insurance, the basic rule for water damage is that it has to be a “direct result” of your plumbing system and not caused by an outside event.

In other words, sudden water damage to property due to a burst pipe or a ruptured heater should be covered by your homeowner’s policy. Some common coverage options that you can get in this policy are:

  • Dwelling Coverage: This covers damage to your dwelling (your home), such as the wood frame construction, walls, roof, and floorboards, etc. If any area of your home is damaged as a result of an insured leakage, this cover will pay for the damages.
  • Property Coverage: This covers damages to your personal property that is not covered under your dwelling coverage, such as clothing, TV, and books, etc.
  • ALE: Additional Living Expense covers your living expenses in case of a total loss due to a plumbing failure.

Plumbing Issues That Homeowners Insurance Won’t Cover:

Homeowner’s insurance policy will not typically cover water damage that is not a direct result of the plumbing system, like natural disasters or the damages resulting in normal wear and tear or lack of maintenance. This means if you see a leaking pipe but don’t do anything, any damages caused by it will not be covered.

Moreover, a backed-up or flooded sewer will also not be covered by the policy by default, but you can purchase further coverage for this.

Some certain types of damages from natural sources like floods or mold will also not be covered, but you can ask the insurer if they offer any additional coverage for them.

Paradiso Insurance Offers Tailored Homeowners Insurance:

Did you know that you can get customized homeowners insurance to fit your needs the best? Maybe your neighborhood is prone to flooding, or maybe the sewer system is not that great? Maybe your property’s infrastructure is old, which may cause specific areas or pipes to leak.

Regardless of the situation, experts at Paradiso Insurance are always here to provide you with the best homeowners insurance policy to ensure your plumbing and other systems are covered to an optimal level. Call us at 860-684-5270 today to get started.