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Does home insurance cover water line breaks?
Upon returning home from a family vacation to Orlando, we found water in our basement. Turns out a water line broke while we were away. Will home insurance cover water line breaks?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I hope you enjoyed your vacation! Given the nature of the damage, it’s likely your home insurance will cover the water line break.
In general, home insurance policies
cover perils
related to accidental and sudden damage, including water damage. As long as you took preventative measures like turning off your water when leaving for vacation, your insurance will likely cover the water line break. That said if it turns out a tree root or other exclusion caused the damage, your home insurance won’t cover the break.
Water damage is especially tricky when dealing with insurance, so it’s best to call your insurance company right away. Once an agent gets all the information, they can review your policy to determine whether you’re covered. If you are, you can submit a claim and your insurance will cover the repairs minus your deductible.
If you decide you’d like to enhance your coverage after reviewing your home insurance policy, try using
Jerry
. The Jerry app collects quotes from top insurance companies like Progressive and Travelers in seconds. They even help cancel your old policy once you’ve made your pick.View full answer
- Gregory R.
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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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