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.
Learn More
Does Homeowners Insurance Cover Water Damage?
How Homeowners Insurance Protects Against Water Damage
Did you know?
A Burst Pipe
Toilet Overflowing Accident
Frozen Pipes
Water Damage Coverage Add-Ons
Flash Flood Coverage***
Hidden Water Coverage**
Sump Pump Failure & Water Backup Coverage†
Frequently Asked Questions
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The information on this webpage represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.
* Refer to your policy for coverage details & limits and ask your agents if you have questions.
**Hidden Water coverage is an optional coverage. May not be available in all states. Some restrictions apply to seasonal homes and manufactured homes. The leak must occur from within a plumbing, heating, A/C, fire sprinkler or a home appliance. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Mold damage limited to coverage limits provided by your homeowners policy.
***Coverage provided by adding the Inland Flood optional endorsement. This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program (NFIP).
†Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property and coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage details and& options selected.
‡ Just 1 Inch of Water, FEMA, (last visited May 29, 2023), https://fema.gov/sites/default/files/2020-05/8.5x11_1_inch_flyer.pdf