Does Home Insurance Cover Frozen Pipes?


Believe it or not, there are a number of things that can go wrong with your home—from water breaking to busted pipes. And in the event of a plumbing emergency, you may be wondering if your home insurance will cover frozen pipes. The short answer is: It depends. Depending on the policy, frozen pipes may or may not be covered. In some cases, the policy may only cover damage caused by natural disasters like floods or hurricanes.

 On the other hand, some policies may cover frozen pipes even if they’re caused by something as simple as freezing rain. If you’re unsure whether your home insurance covers frozen pipes, it’s best to speak with a representative from the company yourself. They can help you figure out what coverage you have and whether or not you need to add another policy for such an eventuality.

What is covered under home insurance

Home insurance policies typically do not cover frozen pipes. Frozen pipes can occur when the temperature outside your home becomes too low and freeze the water supply lines inside your home. This can severely damage your entire home, including any fixtures, appliances, or walls that are in close proximity to the frozen pipes. If you suspect that your home is suffering from a frozen pipe issue, you should contact your insurance company to see if they will cover the damages.

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What is not covered under home insurance

Home insurance does not typically cover frozen pipes, though this can change based on the policy. In general, frozen pipes are not considered a covered peril and therefore would not be covered by your policy. If the pipe is burst due to freezing, then the damage may be covered. Additionally, if water is leaking onto your property from a frozen pipe, this may also be considered a covered peril and would be covered by your policy.

How to find out if frozen pipes are covered

If you find out that your frozen pipes are covered by your home insurance, it is important to take the necessary steps to prevent water damage. The first step is to make sure that all frozen pipes are properly identified. Next, use a thermal imaging camera to identify any areas where water is leaking or standing in stagnant pools. Finally, contact your home insurance company to ask if they will cover frozen pipes.

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What to do if frozen pipes are found

If frozen pipes are detected in your home, what should you do?

If the water is not coming out of the faucet, turn off the main water valve to the house. If the water is still not coming out, turn on the main water valve to the house and wait for it to turn off before trying to turn on any other valves. If you cannot turn on any valves, call a professional.

Once you have turned off all of the valves in your home, open every door and window in your home and let all of the cold air in. Close all of the windows and doors that were open. Turn on all of the lights in your home. Wait fifteen minutes, then check to see if any of the frozen pipes have thawed. If they have not thawed, call a professional.


If you’ve ever had a frozen pipe issue in the past, then you know how frustrating and time-consuming it can be to get it fixed. Luckily, most home insurance policies cover frozen pipes, although there are certain exclusions that may apply. If you’re interested in finding out whether your policy covers frozen pipes or not, contact your insurer to find out. In the meantime, bookmark this page for future reference so that you don’t have to worry about this type of issue again!