Free Insurance Comparison

secured lock Secured with SHA-256 Encryption

Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Dec 11, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Does Home Insurance Cover Pipe Leaks?

A typical home insurance policy won’t cover pipe leaks without some form of supplemental insurance outlining coverage for leaky pipes. There are rare exceptions, and some insurance policies do offer extra coverage, but never assume yours will cover you in the event of a flood in your home due to leaky pipes.

Your insurance policy may cover pipe leaks if your pipes fail to work without reasonable cause. This usually occurs due to defective pipes or third-party maintenance failures. Simply put, if a contracted worker installs pipes in your home and fails to properly secure them or leaves a hole open and a leak happens, your insurance policy might cover you.

Otherwise, you might be out of luck. Insurance providers consider pipe leaks to be the result of poor maintenance on the part of the homeowner. They’ll cite “poor maintenance practices” and claim you, as the owner, were responsible for routine checks on your pipes and replacing any that were worn or damaged. It’s important to keep an eye on your pipes and replace any that are wearing out.

You can purchase supplemental insurance to help cover the costs in the event of an accident. When doing so, be sure to keep records and receipts of all work and inspections done on the pipes in your home.

If you’re unhappy with how your home insurance company has dealt with your leaky pipes claim, give a licensed agent a call. They can help you find a home insurance policy that provides you with all of the coverage you need at a price you can afford.

Free Insurance Comparison

Enter your zip code below to view companies that have cheap insurance rates.

secured lock Secured with SHA-256 Encryption