Homeowners Insurance For Water Damage from Manav Pietro's blog

Water damage insurance is a type of protection provided in most homeowners insurance policies against sudden and accidental water damage that either floods or leaks into a home. Water damage insurance does not cover damage resulting from the homeowners' negligence or failure to maintain the home in good repair. Moreover, flooding usually requires a separate policy if it is available. While water damage insurance does not protect against all types of water, it can cover some rather unique cases for homes located near lakes and streams due to erosion, soil removal, and settlement. It also provides coverage in case of plumbing leaks and burst pipes within the home as well as sanitary sewer backups from heavy rains, which may lead to property damage, structural issues, and even mold growth.

That's not to say it's wise to ignore a leaky faucet or a drippy condensation pipe. But the best place to start when evaluating the water damage coverage of your policy is at a thorough insurance examination, in which you evaluate your needs and compare them to your policy. If you feel that there is room for improvement, consider speaking with an Insurance Agent. They will do their best to ensure you're getting better coverage at a more reasonable price than what you have now. For more information, please refer to the info graphic below.