Does Home Insurance Cover Water Damage?

Sudden and accidental damage is usually covered

Most standard homeowners policies cover water damage that happens suddenly and accidentally, such as a burst pipe or a washing machine hose failure.

Gradual damage is often excluded

Damage that developed slowly over time, like a slow leak behind a wall that went unnoticed for months, is frequently excluded from standard coverage, since insurers generally expect homeowners to maintain their property.

Flooding usually needs separate coverage

Damage from external flooding, such as rising water from a storm or nearby body of water, is typically not covered by standard homeowners insurance and instead requires separate flood insurance.

What to do either way

Document the damage with photos, keep records of when you noticed the issue and when you called for help, and let your matched provider know you'll be filing a claim, since many are experienced working alongside insurance adjusters.

This is general information, not insurance advice. Review your specific policy or speak with your insurer for details on your coverage.

Frequently asked questions