A homeowner's insurance policy covers some common types of water damage like leaks from the roof, pipes, water heater, or appliances. Additional endorsements may provide coverage for other situations like overflow from tubs or sinks. Separate policies are needed for flooding or backup from sewers. The homeowner should check with their insurance agent to understand what types of water damage their current policy covers and what additional protection they need.

1. Does my homeowners insurance policy
cover water damage?
• Yes, but it depends on where the water is coming from
and it depends on the proper endorsements
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2. When Is Water Damage Covered On A Basic
Homeowners Insurance Policy!
• When water enters your house from the roof
• When water leaks from a pipe
• When water leaks from a faulty water heater
• When water leaks from a faulty dishwasher or
washing machine
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3. What Water Damage Coverage is Added
If I Buy The Open Peril Endorsement?
• Water damage caused by human error
such as a tub or sink overflow.
• An open peril endorsement provides
broadening coverages on the
homeowners insurance policy. It is
covered unless specifically excluded.
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4. Sump Pump/Sewer Backup Endorsement
• This is an Important endorsement if you have
a finished basement and you have a sump
pump or drain in your basement.
• A separate limit is needed to properly cover
furniture, furnace, carpet etc.
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5. Flood Insurance (Separate Policy)
• Flood insurance provides coverage when
water enters your home from the ground.
• This is a separate policy. Flood is not covered
on the homeowners insurance policy.
• If you are not in a high flood zone, the
premium for a flood insurance policy is as little
as $250 - $350.
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6. Water Damage
• Water can damage a home in many different ways in your home and
the cost of repair can be very expensive.
• Your homeowners insurance policy might not provide coverage in
specific situations depending on how and why the water is causing
damage.
• If you have a specific concern, talk to your insurance agent to make
sure you are protected in the event of a loss.
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