You also will not typically be covered by a traditional homeowners policy if water backs into your home through an outside sewer or drain. Water backup from an outside sewer or drain So, while your policy may cover the cost of tearing out and replacing that damaged floor, you shouldn't expect it to cover the cost of replacing your broken dishwasher or washing machine.

Most homeowners insurance policies will not cover the source of the water damage. Replacing or repairing the source of the water damage While your homeowners insurance will probably help cover the cost of replacing or repairing a damaged floor if your dishwasher suddenly goes on the fritz, coverage generally will not kick in if the damage results from an unresolved maintenance issue, such as continuous leaking near a faucet or other plumbing fixture. Damage from unresolved maintenance issues

Homeowners insurance does not cover certain types of water damage. That’s what homeowners insurance will do for you. Water damage can be expensive-you’ll want coverage to protect you if it happens. Your limit is the maximum amount your insurance will pay toward a covered claim. Remember, typically your insurance will pay for covered damages that exceed your deductible.Īnd your insurance will only pay for covered claims up to the limit for each type of coverage. However, Allstate can help you purchase flood insurance that's right for you. Here's another important thing to keep in mind: Flood damage is not covered by a standard homeowners policy. But you could add an optional water backup coverage to your policy. In that type of situation, homeowners insurance usually won't cover the resulting damage.Īnd your standard homeowners insurance probably won't cover water backup from an outside sewer or drain either. Now what if the damage is caused by an unresolved maintenance issue, like continuous leaking near a faucet? Like in these cases, it probably wouldn't pay to repair or replace the plumbing or your washing machine. However, most policies won't cover the source of the damage. Or if your washing machine water supply hose fails and ruins your flooring, your policy would help cover your damaged ceiling and floor.

Your policy would likely help cover the cost of repairing or replacing the damages caused by an upstairs pipe burst. So, let’s see how your homeowners insurance may provide you with coverage. We understand that owning a house comes with fears of the unknown, because after all water damage is often sudden and accidental. Does homeowners insurance cover water damage?

Hidden water damage coverage