Does Homeowners Insurance Cover Plumbing?

3 May 2023


Homeowners insurance provides coverage for all sorts of incidents, from fires to theft. But what about plumbing issues? Does homeowners insurance cover the cost of repairs when something goes wrong with your pipes and fixtures? That’s a question many people have when they’re considering their policy options.

Plumbing problems can be expensive, so it pays to know whether or not you are covered in case of an emergency. In this article, we explain what is covered by homeowners insurance. We look at the different types of coverage available and how much protection you can expect on each type. Finally, we discuss common exclusions that may limit your coverage and provide tips for getting maximum protection against plumbing-related damage claims.

What Is Homeowners Insurance?

Homeowners insurance is a type of home insurance policy designed to protect homeowners from financial losses that arise due to damage caused by certain events. It typically covers the cost of repairing or replacing any physical structure on your property, as well as personal possessions such as furniture and appliances. A standard homeowners insurance policy includes key components, such as personal property coverage, additional coverage for items like jewelry and artwork, and liability protection if someone gets injured while on your property.

When it comes to plumbing leaks or pipe bursts, most standard homeowners’ policies also provide some kind of water backup coverage. This can help cover damages resulting from types of water damage caused by plumbing issues. However, this level of coverage varies depending on the specific terms outlined in each individual homeowner’s policy.

It’s important to understand what is included in your particular homeowner’s insurance plan so you know exactly what kind of protection you have should an unexpected plumbing issue occur. If you’re unsure about any aspects of your policy, contact your insurer directly for more information before making decisions about repairs or replacements related to plumbing issues in your home.

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Types Of Homeowners Insurance

Homeowners insurance is a type of policy that can protect homeowners from certain unexpected events. It typically covers the cost of repairs if damage occurs to your home or property, and some types may even cover additional costs such as medical bills for guests injured on your property. But what exactly do these separate policies of homeowners insurance cover? Let’s take a look at the different types of coverage available.

Standard Coverage

Standard homeowners policies are designed to provide protection against common perils like theft, fire, and windstorms. These policies also often include liability coverage which pays for damages or injuries caused by you or someone else living in your home. Additionally, these policies may also offer limited coverage for things like plumbing damage to sewer systems and accidental water damage caused by broken pipes or appliances. However, it is important to note that most standard policies do not cover flood damage unless you purchase additional coverage specifically for this purpose.

Comprehensive Coverage 

A comprehensive policy provides the maximum coverage possible. It covers all risks to your home and contents except for any exclusions in your policy. It’s also known as a special or all-perils policy. If flooding, sewer backup, and earthquake are named as exclusions in your comprehensive policy, you won’t have coverage for these risks. However, your home and contents will be covered for all other risks that aren’t named, such as fire risk or water damage caused by plumbing issues.

Broad Coverage 

A broad policy is a type of coverage between comprehensive and standard policies. It’s also known as a broad-form policy. It covers all risks for your home, except for any exclusions named in your policy. This is like comprehensive policies. However, for your contents, a broad policy only covers named risks, which is like standard policies.

What Is Covered By Homeowners Insurance?

Homeowners’ insurance policies vary from company to company, so it’s important to understand what is covered by your specific policy. It is also important to note that the type of homeowners insurance you pay for will dictate what is and is not covered. 

Below is a list of things that are usually covered by homeowners insurance policies:

  • Fire damage
  • Smoke damage
  • Theft 
  • Vandalism 
  • Weather damage
  • Sudden or accidental plumbing damage 
  • Etc.

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What Is Not Covered By Homeowners Insurance?

Homeowners’ insurance covers a variety of damages and losses, but not all issues are covered. It’s important to understand what isn’t included in homeowners insurance policies so you can get the best protection for your property. 

Here are 3 key items that aren’t typically covered by homeowners insurance:

  • Drain valves, sewage backup, and sump pump failure: These types of plumbing problems are often excluded from standard homeowners policies because they’re caused by poor maintenance issues or flooding from natural disasters like heavy rains or hurricanes. You may need additional coverage such as flood insurance or water damage insurance to protect against these kinds of events.
  • Personal properties and additional living expenses: Homeowners insurance won’t cover the cost of personal items damaged or destroyed due to plumbing malfunctions, nor will it cover any additional living expenses incurred while repairs are being made. If you want this type of coverage, look into replacement cost policies that provide more comprehensive protections for your belongings.
  • Repair costs resulting from poor maintenance: Homeowners’ insurance generally doesn’t cover repair costs if the problem is caused by a lack of proper care or upkeep on the part of the homeowner. To avoid potential problems down the road, make sure you regularly maintain your plumbing system according to manufacturer recommendations.

No matter how much coverage you have with your policy, it’s always important to know exactly what is and isn’t protected when it comes to plumbing-related incidents, otherwise you might find yourself having to pay repair and replacement costs out-of-pocket if something unexpected happens!

How Does Homeowners Insurance Cover Plumbing Damage?

When it comes to plumbing and homeowners insurance, there are various types of coverage available. Most standard policies cover the cost of repairing or replacing drain pipes, water supply lines, washing machine hoses, and other pipes damaged by a sudden and accidental event. This could include things like burst pipes or pipe breaks caused by a natural disaster such as an earthquake or hurricane.

It’s important to note that routine maintenance isn’t typically covered in homeowner’s insurance policies. However, some companies may offer extra coverage options when it comes to certain items such as air conditioners or water monitors. Additionally, most insurers provide additional living expenses coverage if your home is uninhabitable due to plumbing disasters.

Therefore, it’s essential you read through your policy carefully so that you know exactly what kinds of damages are covered under your plan. Homeowners should also have their property inspected regularly to ensure any potential issues with plumbing systems are identified early on before they become more costly problems down the line.

How Does Homeowners Insurance Not Cover Plumbing Damage?

When it comes to plumbing problems, homeowners insurance policies may not provide coverage for various reasons. These exclusions can leave you with hefty bills for repairs and replacements. 

Below are some of the most common issues that insurance companies will not cover:

  • Wear and tear is one type of plumbing issue that won’t be covered by your policy. Pipes are prone to wear and tear over time, any damage resulting from this will likely have to be paid out-of-pocket or through a dedicated home warranty plan.
  • Negligence may also be an issue when it comes to plumbing issues. For example, if you go away on vacation during the wintertime, forgetting to turn on the heat in your home could potentially cause a pipe to burst.
  • Sewer backups typically aren’t covered by homeowners insurance as they usually result from heavy rains or other external forces beyond your control. If you’re unfortunate enough to encounter this kind of damage, you’ll likely be responsible for the entire cost of cleaning up the mess yourself.

Factors That Affect Homeowners Insurance Coverage 

Homeowners insurance can provide coverage for plumbing damage but it’s important to understand the factors that affect what is and isn’t covered. When an insurance agent first assesses your house, they will take certain factors into consideration which will inform the cost of the policy you are given. Whilst standard home insurance policies virtually all cover the same thing, how much it costs you will differ depending on the following factors:


Location will inevitably affect the price you pay for insurance as some areas are simply more prone to accidents than others. For example, if you live in Quebec, the temperatures regularly drop below zero in the winter which means you are more susceptible to suffering a frozen pipe than someone who lives in the significantly warmer British Columbia. Homeowners’ insurance companies take this into consideration when calculating the cost of your policy as they are assessing the risk factor of your home’s location. 

Dwelling Coverage 

The worst thing that can happen to your home is if it needs to be rebuilt, which your insurance provider will take into account when calculating your policy cost. That is why you need to give information about your house’s age, materials used to build it, special features, and specific appliances such as water heaters and plumbing systems that are within your house. 

Claim History 

The more you claim, the more you pay later down the line. Insurance carriers assume that the more insurance claims you make as a property owner, the more likely you are to make them again later. So, if you have claimed before, you will likely find that your insurance premiums go up the next time you look to take out coverage. 

Plumbing Services

Whether your plumbing issues are covered by your insurance or not, it is essential that you seek the expertise of a plumber as soon as possible in order to fix a plumbing problem and mitigate the chances of future damage. At Plomberie Pro Drain, we are dedicated to ensuring your plumbing issues are fixed as soon as possible, which is why our expert plumbers offer 24/7 emergency services for all your plumbing needs. 

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