Does Homeowners Insurance Cover the Freezing of Household Systems?

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    As the seasons change throughout the year, so should your home upkeep. Though the summer months certainly have their own specific set of risks, the persistent cold that comes with winter can cause a slew of problems in your home, especially if essential household systems become frozen or damaged. And if that happens, will your home insurance help pay for the damages? Here's what you should know.

    What does standard homeowners insurance cover?

    Homeowners insurance helps you cover the cost of essential repairs made to your home in the event you experience a covered loss. Though the amount of coverage you receive depends on a variety of factors, including your location, specific plan, and insurance company, most standard homeowners insurance policies provide protection for a number of named perils, or risks, that commonly cause damage to your home.

    Will your insurance cover damages caused by frozen household systems?

    Because it's a standard named peril, most homeowners insurance plans will provide coverage for damages caused by frozen household systems. Nonetheless, it is important that you understand exactly how your policy works, as there may be nuances that impact your ability to file a claim and receive monetary reimbursement.
    For example, if your pipes were to burst as a result of freezing, some insurance companies will only reimburse you for the cost damages if the burst did not occur as a result of negligence, meaning the event cannot be attributed to your actions or lack thereof.
    Before filing a claim, be sure that you thoroughly read your policy to ensure you will not be held liable and can receive maximum payout.

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