Does Homeowners Insurance Cover Plumbing And Burst Pipes?

Homeowners insurance is vital for protecting your home and belongings in the event of an accident or disaster. But what does it actually cover? Many people are surprised to learn that standard homeowners insurance policies do not cover plumbing issues or burst pipes. This can be a major problem if you live in an area with cold winters and your pipes freeze and burst. So what can you do to protect yourself from this type of damage? In this blog post, we will explore the issue of whether or not homeowners insurance covers plumbing and burst pipes. We will also provide some tips on how you can protect your home from this type of damage.

Does homeowners insurance cover plumbing and burst pipes?

If your home’s plumbing system springs a leak or bursts, you may be wondering if your homeowners insurance will cover the resulting damage. The answer depends on the cause of the problem.

Most homeowners insurance policies cover sudden and accidental damage, but not gradual deterioration or wear and tear. So, if a pipe bursts due to freezing temperatures or old age, your policy may not cover the repairs. However, if a pipe bursts because of something sudden and accidental, like a tree root growing into it or a vehicle crashing into your home, your policy will likely cover the repairs.

Some insurers also offer an endorsement or rider to their standard homeowners policy that provides coverage for water backup and sump pump failure. This type of coverage can protect you from damage caused by sewage backup or flooding that occurs when a sump pump fails.

If you’re not sure whether your homeowners insurance policy covers plumbing repairs or not, reach out to your agent or insurer for more information.

What to do if you have a plumbing or burst pipe emergency

If you have a plumbing or burst pipe emergency, the first thing you should do is turn off the water to your home. This will help to prevent further damage. Next, call a plumber to come and assess the situation. If the damage is covered by your homeowners insurance policy, your insurance company will likely pay for the repairs.

How to prevent plumbing and burst pipe emergencies

If you want to prevent plumbing and burst pipe emergencies, there are a few things you can do. First, make sure that your pipes are properly insulated. This will help to keep them from freezing in cold weather. Second, know where your main water shut-off valve is located and how to turn it off in an emergency. This can help to prevent major water damage if a pipe does burst. Finally, have a plumber check your pipes regularly to ensure that they are in good condition.


In short, yes, homeowners insurance does cover plumbing and burst pipes. But as with any type of insurance, there are always exceptions and caveats. So it’s important to understand exactly what your policy covers and doesn’t cover before you make a claim. If you have any questions about your coverage, reach out to your insurance agent or broker for clarification. And remember, even if your homeowners insurance does cover plumbing and burst pipes, it’s always wise to take steps to prevent these problems from happening in the first place.