Does Homeowners Insurance Cover Exterior Pipes?

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Homeowners insurance generally covers damage due to broken pipes if their collapse is sudden and unforeseen. Water damage that occurs gradually due to a leaky or rusty pipe, however, is generally not covered.

Your homeowners insurance policy should cover any sudden and unexpected water damage due to a plumbing malfunction or broken pipe.

does homeowners insurance cover exterior pipes?

Homeowners insurance covers sudden and accidental water damage from burst pipes, malfunctioning water heaters and plumbing failures.

Since homeowners insurance covers water damage that is sudden and accidental, it will typically cover the damage a burst pipe causes to the home and to personal property.

Plumbing damage and related expenses are covered under a few different homeowners insurance coverages: Dwelling coverage protects the structure of your home, as well as …

Your homeowners policy will cover the damage done to the house to get to the pipes in order to replace them, but not for the replacement of the pipes themselves.


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