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Home Insurance Options for Water Damage

  • Homeowners insurance covers some accidental and sudden water damage, but in many cases coverage is not provided.
  • Additional coverage can help you protect yourself from water damage costs. 

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Does Homeowners Insurance Cover Water Damage?

It depends. A standard homeowners policy might cover water-related claims if they're sudden and accidental. Typically, coverage is limited based on the source of the water. 
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How Homeowners Insurance Protects Against Water Damage

Water damage coverage varies depending on the circumstances. It may cover some damage caused by sudden & accidental damage, refer to your policy to see what might be included. Flooding from the outside or neglect does not qualify. 
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Did you know?

According to the Federal Emergency Management Agency (FEMA), a single inch of water can cause up to $25,000 in property damage.‡  
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A Burst Pipe

Your kitchen is damaged by a sudden and accidental burst of a pipe. Warped flooring, wet drywall, or damaged personal property are usually covered. In other words, your insurance should cover the damages as long as it occurs after a sudden and accidental event.
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Toilet Overflowing Accident 

A toilet doesn't shut off and accidentally causes water to overflow. Water damages your personal belongings. If water damage happens from a sudden appliance or plumbing problem like this, you're covered. Any damage caused by an accidental toilet overflow should be covered by your home insurance. 
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Frozen Pipes 

When a pipe freezes, it expands, increasing pressure on the pipes. This pressure can cause pipes to burst, damaging drywall and carpeting. Homeowners insurance covers cleaning and repairs due to water damage caused by a frozen pipe that bursts, up to your policy’s limit.   
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Water Damage Coverage Add-Ons

You can customize your standard home insurance policy with add-on coverage. 
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Flash Flood Coverage*** 

A flash flood soaks the first level of your home after a severe storm. Standard homeowners insurance doesn't cover these types of losses. But our Inland Flood Coverage can help protect you from unexpected flash flooding.*** 
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Hidden Water Coverage** 

Wear and tear cause your 20-year-old plumbing line to leak behind the shower wall. The water has damaged the drywall, insulation and flooring behind and under your shower. Hidden water damage insurance helps cover the cost of repairing the damage.** 
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Sump Pump Failure & Water Backup Coverage† 

Your basement floods when a drain backs up. It will cost thousands of dollars to repair carpet and drywall damaged by flooding. Our water backup coverage can help with the cost of repairs caused by water leaking into your home due to a backed-up drain.† 
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Frequently Asked Questions

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