Does Your Insurance Policy Cover Water Damage - part 1

Does Your Homeowners Insurance Cover Water Damage?

If the cause of water damage is sudden and accidental, your homeowners’ insurance policy may help cover the costs of repairs. Depending on where the damage occurs, there are two types of insurance coverage.

Dwelling Coverage helps pay for water damage to the structure of your home, but only if the damage is sustained by a covered hazard. For example, if a pipe bursts and damages your cabinets, dwelling coverage may pay for the repairs.

Personal Property Coverage helps if your belongings are damaged by a covered hazard. If a burst pipe ruins contents, this coverage can help repair or replace your damaged items.

If they can be covered, deductibles and coverage limits still come into play. I can also help decipher confusing policy language and—since claims raise rates—help a customer determine when out of pocket makes more sense than insurance.

Our analysis and estimates are free, and my focus is on helping you navigate to the right decision.

Does Your Insurance Policy Cover Water Damage