Definition
Water damage coverage protects against sudden damage from internal sources like burst pipes or failed water heaters. This is one of the most common homeowners claims.
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Water damage coverage is critical because standard policies exclude most water damage. Coverage applies to sudden water damage from internal sources like burst pipes, failed water heaters, or overflowing washing machines. Water damage from external sources (floods, ground seepage) is excluded unless you have flood insurance. Water damage can cost thousands to tens of thousands in repairs. This is one of the most common homeowners insurance claims. Coverage includes both property damage and additional living expenses.
Pro Tip
Understand your water damage coverage limits and consider additional endorsements for water-prone areas.
Example
Water damage coverage paid $25,000 when a burst water pipe flooded the home during a freeze.