Homeowner's Insurance

Does homeowners insurance cover plumbing repair to a sewer?

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2013-03-11 19:40:42
2013-03-11 19:40:42

Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.

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Yes, Homeowners insurance can cover plumbing damage when caused by a covered peril such as lightning, fire, wind, hail freezing etc. Refer to your insurance policy for covered perils. If your plumbing is just old or stopped up then that would be an owners maintenance issue. Homeowners insurance does not provide for maintenance.


Contact your agent and ask them if you are covered.


AnswerIt may vary state to state but generally NO insurance will not cover the leaking pipe but it will cover the cost to get to it and repair the damage done to get to it as well as cover the damage done from the leak. You are on your own with the cost of the plumber. Best bet is to read your policy on exclusions. If it is not excluded, it's covered.


Not generally. If the repair man is responsible for damage, he is also responsible to repair it.


I have been doing this for 20 yrs. and i have never found a policy that covers anything outside the foundation of the home to be covered.


Virtually all home insurance policies today cover plumbing leaks that are sudden and accidental. Homeowners policies sometimes specifically exclude long-term plumbing leaks which the home owner must have been aware of, but have done nothing about. Water damage caused by failure in plumbing is usually covered by homeowners insurance if certain conditions are met. To know more information visit at- alliedallcityinc.com


No. Homeowners Insurance does not cover the owners default on a mortgage note.


Repairs are maintenance and homeowners insurance is not intended to cover maintenance of your home. This is up to you to maintain your home. Insurance is made to cover sudden and accidental damage of a major cause such as fire, windstorm, lightening, and like causes.


No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.


Water damage caused by failure in plumbing is usually covered by homeowners insurance if certain conditions are met. Homeowners policies sometimes specifically prohibit long-term plumbing leaks which the homeowner must have been knowledge of, but have done nothing about. One of the major types of loss claims is plumbing-related. These can range from minor leaks to major flooding of the house, caused by a plumbing, usually hot water line & break. Fortunately, homeowners insurance covers plumbing line leaks, provided that the owner notifies the insurer in due course. For more information visit at: alliedallcityinc.com


Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.


No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.


Your homeowners insurance should cover damage to your sprinkler system if the cause of the damage is covered by your homeowners insurance policy such as fire, lightning, freezing of pipes, etc. Homeowners insurance is not a maintenance policy and will not cover mechanical failure of your system.


Homeowners insurance specifically excludes damage done to any four wheel motorized vehicles and motorcycles. Your only coverage for such is under an auto insurance policy and you will need to have comprehensive coverage for such a claim.


No, Homeowners insurance is for the house. it does not cover cars or car accident claims.


You mean cover the owner who is listed on the policy? =No!


Homeowners insurance does not cover automobile nor there parts.


Inside your home or outside and did you bother to READ your policy?


No, Homeowners Insurance is Hazard Insurance it does not cover the costs of asthetics. That's landscaping or Lawn Maintenance.


Automobiles are covered by Auto Insurance. If you have full coverage auto it will repair any damages caused to your vehicle by the shopping cart, minus your deductible of course. Homeowners Insurance does not cover automobiles, if it did, we would have no need for car insurance.


No, your Homeowners Insurance will not. Your Medical Insurance Will.



No. Homeowners Insurance does not coverage for automobiles.


According to AnswerBag.com, it covers these things in addition to basic homeowners' insurance: "falling objects, weight of snow, sleet and ice, damage to water heating systems, volcanic eruption, damage from plumbing or appliances, freezing of plumbing or appliances and damage from artificially generated currents".


Yes. That is covered on a homeowners policy.



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