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Are underground pipes covered by home insurance?
I got the deed and other paperwork for my first house, including a map of the pipes underneath it. Are underground pipes covered by home insurance?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Homeowners don’t always consider underground pipes to be their responsibility, so it’s good you’re asking about this as a first-time homeowner.
If there are damages to any pipes found within your property, you will be responsible for them. Underground pipes within your property lines are considered to be part of the home and therefore insurable by your
home insurance
.If your insurance company offers any endorsements to insure these pipes, you may want to add them to your policy for the most possible coverage.
Pipe damage due to general wear and tear typically won’t be covered by homeowners insurance. Freezing pipes may be a
covered peril
, but you will have to check with your insurance provider to see which situations are covered. Here are a few common causes of damage to underground pipes:
- Trees: Roots can make their way into pipes and crack them, and fallen trees can break pipes. Plant trees away from any pipes and keep them trimmed.
- Digging: Pipes can be damaged by digging too close to them. Call professionals before you dig and mark off all pipes.
- Freezing: Cold weather can cause pipes to freeze and burst. Pipes need to be below the freeze line and/or wrapped with insulation.
This is your first home, and you need a homeowners insurance policy with the right coverages at the right price.
Jerry
can save you the hassle while finding the best savings. You’ll get competitive quotes from top insurers, you can get signed up right away, and Jerry can even help you cancel an old policy!View full answer
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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