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Does Farmers home insurance cover water damage?

My house has older plumbing that works fine now, but I’m worried about it causing problems later on. Does Farmers home insurance cover water damage?

avatar
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s a fair concern, and it’s good that you’re looking into what your policy may cover ahead of time. Your
Farmers
 home insurance policy may cover water damage if a
covered peril
 causes the damage.
If the water damage was caused by a burst or frozen pipe, your Farmers home insurance policy will likely offer coverage. However, if the cause was a known plumbing issue that was ignored for too long, normal wear and tear, or age, that would make coverage less likely.
Generally, home insurance policies don’t include coverage for water damage when the source of flooding is from outside the home. You usually need separate flood insurance for this.
If you’re looking for a new insurance company,
Jerry
 can provide you with competitive quotes in under a minute. Swapping is just as effortless. To save even more money, Jerry can help you bundle your home and auto policies for maximum savings!
MORE:
Home insurance terms you need to know
FarmersWater DamageHome Insurance
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