Understanding Homeowners Insurance & Damage Caused by Plumbing

As a homeowner, you understand that your house is more than just a roof over your head; it is a significant investment you want to protect. One essential way to safeguard your home is by having insurance. This type of insurance assists in covering the cost of repairing or replacing your home and belongings should various perils, including plumbing issues, damage them.

However, not all plumbing-related damages are covered under a standard homeowners insurance policy. In this post, we will delve into the intricacies of this coverage, the types of plumbing damages it covers, and tips for preventing plumbing issues and maintaining your coverage.

Understanding Homeowners Insurance & Plumbing Damage Coverage

Homeowners’ insurance policies typically cover damages from sudden and accidental plumbing incidents. Examples of sudden and unexpected events include burst pipes, water leaks, and sewer backups. However, it is critical to note that not all plumbing-related damages are covered. The determining factor usually lies in the cause and nature of the damage.

Covered Plumbing Damages

  1. Burst Pipes: This can cause severe water damage to your house and belongings. Homeowners insurance typically covers the cost of repairing the damage caused by a burst pipe, as long as it was sudden and accidental. For example, if a line bursts in your home due to freezing temperatures and you have taken necessary precautions, your insurance will likely cover the damage. 
  2. Accidental Water Leaks: This policy typically covers damage from accidental water leaks, such as a leaking dishwasher or water heater. It includes repairing or replacing any damaged property and fixing the source of the leak. 
  3. Sewer Backups: Sewer backups can be particularly unpleasant and cause significant damage to your home. Some standard policies provide coverage for sewer backups, while others require an additional endorsement. Reviewing your policy to understand your policy for this type of plumbing issue is essential.

Exclusions & Limitations

While homeowners insurance covers various plumbing-related damages, there are specific exclusions and limitations to be aware of:

  1. Gradual Damage: If damage occurs over time due to a slow leak or poor maintenance, it is considered gradual and typically not covered by this insurance. For example, if a pipe has been leaking for months and causes damage to your flooring, your insurance may not cover the cost of repairs. 
  2. Negligence or Lack of Maintenance: If plumbing damage results from negligence or lack of maintenance on your part, your insurance provider may deny your claim. For instance, if you fail to insulate your pipes properly during winter and they freeze and burst, your insurance may not cover the damage. 
  3. Flood Damage: This insurance does not cover flood damage, including any plumbing issues caused by a flood. You will need to purchase a separate flood insurance policy for flood coverage.

Preventing Plumbing Issues & Maintaining Coverage

To minimise the risk of plumbing-related damages and ensure your insurance coverage remains intact, consider the following tips:

  1. Regular Maintenance: Schedule routine checkups with a professional plumber to inspect your plumbing system and address potential issues before they escalate. 
  2. Insulate Pipes: In colder climates, properly insulate your pipes to prevent them from freezing and potentially bursting. 
  3. Install Water Sensors: Place water sensors near appliances and fixtures that use water, such as washing machines, dishwashers, and water heaters. These sensors can alert you to potential leaks, enabling you to address the issue before it causes significant damage. 
  4. Know Your Policy: Understand your policy, including any exclusions and limitations related to plumbing damage. Review your policy annually and consider purchasing additional endorsements or coverage if necessary.


Homeowners’ insurance can provide essential financial protection during sudden and accidental plumbing damage. However, it is crucial to understand what types of injuries are covered and to take preventive measures to maintain your coverage. By staying informed and proactive, you can protect your home and investment, ensuring peace of mind and financial security.

Are you looking for homeowners insurance coverage in the greater Edmonton area? Look no further than Reliant Insurance. Our experienced brokers are here to help you find the perfect insurance solution to meet your needs and budget. Contact us today to schedule a consultation and see how we can help protect you and your assets.

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