List Of Home Insurance Cover Plumbing Water Damage 2022. Your homeowners insurance policy is typically meant to cover certain kinds of plumbing damage, but what is exactly covered varies from one property insurer to another. Standard homeowners insurance covers several types of water damage, most of which are considered sudden and accidental.

A standard homeowners insurance policy covers water damage as long as it’s sudden, accidental, and caused by one of two things: Generally, if the cause is sudden and accidental — if an appliance or bathroom fixture. Therefore, most plumbing problems aren’t covered by.