Does Homeowners Insurance Cover Water Damage?

| January 31, 2019

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Understandably, ‘water damage insurance’ is a pretty popular topic among homeowners since homeowners insurance covers water damage. But what’s covered and what’s not in your homeowners insurance policy can be confusing. And, since water damage caused by plumbing and leaking pipes can be a potential disaster, costing homeowners thousands of dollars, it’s time to set things straight. Specifically, water damage is a tricky topic because not all insurance policies cover all incidents of water damage. Before we get into the ins and outs, here’s a refresher on homeowners insurance. Homeowners insurance 101. First off, homeowners insurance includes a couple different types of coverages. Let’s break them down: There’s your ‘dwelling coverage,’ which insures the structure of your home (your house itself), and attached garage. So when it comes to water damage, your dwelling coverage can help pay for repairs if plumbing-related losses damage the walls of your home, for example.

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