Homeowner’s Insurance: Does It Cover Water Lines?

A network of water pipes allows for the on-demand delivery of hot and cold water in every home. Unfortunately, they often go unnoticed until they stop working, which can be frustrating. However, with routine maintenance and prompt water line repair in Catalina Foothills, AZ, you can increase their lifespan, stop leaks, and minimize costs.

As a homeowner, knowing the plumbing coverage of your insurance policy is essential. Find out if it covers your water line replacement.

Dwelling Coverage

Dwelling coverage on your homeowner’s insurance helps protect your home’s structure, such as the framing, roof, and foundation. Furthermore, most dwelling coverage includes detached structures on your property, like a garage or shed. A damaged water line is typically covered by dwelling insurance if the cause is sudden and accidental, like a burst pipe.

Property Coverage and Personal Liability

Personal property coverage on your homeowner’s insurance policy can help protect belongings inside your home, like furniture, clothing, and electronics. If a covered peril, such as fire or water damage, inflicts damage to your belongings, this coverage may reimburse you for their value. Also, if plumbing problems caused trouble at your neighbor’s property, your homeowner’s insurance should cover it.

Exclusions on Homeowner’s Insurance

While homeowner’s insurance covers some water line installation damage and replacement costs, it usually excludes damage from floods, sewage backup, and negligence. Most policies have dwelling coverage limits that may not fully cover the cost of rebuilding your home. For this reason, you may consider purchasing insurance add-ons to increase your protection.

Be sure to review your policies and clarify any concerns with your insurance provider to avoid unwanted surprises down the road. For high-quality water line services you can rely on, look no further than RAM Plumbing. We’ll arrive promptly at your home and get to the root of the problem to prevent further damage. Get in touch with us today to schedule an appointment.