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Does Homeowners Insurance Cover Water Damage?

Does Homeowners Insurance Cover Water Damage?

Home insurance is one of the most important investments you can make in your entire life, but especially when it comes to your home. That being said, a lot of homeowners have questions surrounding what their home insurance claims actually cover, as well as the process.

Water damage is a common issue, after all. So in this article, let’s talk about water damage for home insurance and what it actually covers. As a result, you can be best prepared as you move forward with your property and your family.

Home Insurance & Water Damage

So, does home insurance cover water damage? Well, it’s important to understand that there are various types of homeowners insurance that come with different coverage policies. The standard types of homeowners insurance you’re probably aware of typically don’t cover water damage.

However, some of them do, and they even cover flood damage. That being said, let’s talk about the types of water damage that can be covered depending on the policy that you choose.

Understanding What Kind Of Water Damage Is Covered On An Insurance Policy

So you’re probably wondering a question like:

  • Does insurance cover water damage?
  • Can homeowners insurance include water damage?
  • Will home insurance cover water damage?

There are typically two categories when it comes to water damage that could be covered on insurance policy. First, is what it originates from inside your home.

This could be due to an appliance or a leaky pipe bursting. Obviously, this can wreak havoc on your home and therefore it would be expensive to repair.

Therefore, you’re typically covered with certain policies. Another type would be if it originates outside of your home. An example would be if a tree branch fell due to a rainstorm and then rain came into your house, causing water damage.

Some types of policies would cover the tree branch itself falling under your home, but this would fall under a different type of policy. So indirectly, it covers the water.

A lot of it comes down to whether or not you have an H01, H02, or H03 policy. If you have any questions about a specific policy, reach out to a licensed insurance agent at Focus Insurance today.

Other Types Of Coverages Regarding Water Damage Home Insurance

There are other types of coverages that apply as well:

Coverage A

This is called dwelling coverage. This means that you’re being reimbursed for a covered peril. So water damage on your floor could fall under dwelling coverage.


Coverage C

Coverage C is also called personal property insurance. That means it covers your personal belongings.

So for instance, if that pipe burst simply went onto the carpeting or the floor, you might not be covered. But if it destroys your laptop, then you could see a reimbursement for that.

Learn More About Home Insurance Today

If you’re looking for home insurance in Decatur, GA, look no further than Focus Insurance. Our friendly professionals are standing by to answer any questions you might have about home insurance policies and what they cover. You deserve a policy that fits your budget and gives you exactly what you need to have peace of mind. So don’t hesitate — reach out today for a quick call.

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