If any of the given parts of the house gets damaged due to plumbing issues like water leakage or are required to remove a part of the home’s structure to repair the leak, then the dwelling coverage will be responsible for covering you. The dwelling coverage clause of the home insurance policy is responsible for offering coverage for the structure of your home, including walls, floorboards, ceilings, and roofs. However, specific luxury items, including jewellery, might only be covered for up to the limit of $1000 to $2000 unless you would apply for the optional rider to the given policy. Your policy will be reimbursing you for personal properties, including clothing, furniture, and appliances that get destroyed when some plumbing malfunction might occur and cause damage to your home. Thankfully, some clauses in the home insurance policy by some providers might offer coverage for plumbing work in case of water damage.

Your homeowner’s insurance policy should be responsible for covering ample damage should you need to repair a part of the structure of your home.

This is when you would like to know whether or not your homeowner’s insurance policy covers you.ĭoes Homeowner’s Insurance Cover Plumbing Work?Ī homeowner’s insurance policy typically covers plumbing problems such as leaks caused by accidents like pipe bursts or seepage from malfunctioning equipment like air conditioners. However, once a professional plumber investigates the issue, more problems may arise, like a tree root infiltration, sewer main line blockages or collapsed pipes that require relining or replacement. Place a call to your provider if you’re finding it hard to work your way through the policy conditions.Įach insurer is slightly different, and it depends on what type of cover or extras you have nominated at the beginning of your policy commencing with the provider.Īs you experience a plumbing problem like a blocked drain, blocked toilet or flooding resulting from a burst pipe or leak somewhere, you might not realise the root cause of the problem. Read thoroughly through the fine print to get an idea of what is covered and what is not covered in your existing homeowner’s insurance policy related to plumbing.

It’s a question we get asked on the daily: “Does my homeowner’s insurance cover plumbing issues?”įirstly, let us say that before you go searching online for what your homeowner’s insurance covers when it comes to plumbing, check-in first with your existing insurance provider.

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