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Water damage to your house may be covered by your homeowners insurance policy, depending on what caused the damage. While appliances like water heaters are rarely covered for repairs or replacement. A standard homeowners insurance policy covers water damage caused by a water heater

However, insurance will not cover the cost of repairing or replacing your water heater today, we’re exploring everything you need to know about water heater leak insurance claims. Is your water heater included Does homeowners insurance cover a water heater

A burst pipe on your hot water heater or a leaking hot water tank is claimable on your homeowners insurance when the damage was unpredictable or caused by a covered peril, meaning it wasn’t the result of old hardware malfunctioning or poorly managed appliances.

A homeowners insurance policy may cover water damage from sudden, accidental leaks However, it won’t cover damage that develops over time or that you could have prevented through maintenance. 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. 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. What homeowners insurance covers (and what it doesn’t) homeowners insurance typically covers sudden, accidental damage, such as burst pipes, fires, or storm damage

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