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Does home insurance cover bathroom leaks?
I went into my upstairs bathroom and found water all over the floor! It turns out my toilet has a leak, causing water to go everywhere. I have a home insurance policy. Will my home insurance cover bathroom leaks?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no—that definitely isn’t a pleasant surprise! Home insurance can cover bathroom leaks, but it depends on the situation.
Accidental discharge of water is one of the
covered perils
in a homeowners policy. That said, certain types of damage and leaks aren’t covered. For example, if a bathroom leak was caused by:- Age
- Lack of maintenance
- Normal wear and tear
- Faulty repair
- Neglect or negligence
Water damage and flooding are also typically excluded from policies unless you can prove the bathroom leak was accidental and unexpected. If your insurance company finds your toilet had been gradually leaking and it finally deteriorated enough to flood, you wouldn’t have coverage.
In this case, you’ll want to review your home insurance policy and also contact your insurance. A claims agent can give you more information about your policy and its coverage.
If you can submit a claim, be sure to shop around before your next policy renewal, as your home insurance rate may increase. If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app can collect quotes from top insurance companies, like Safeco and Progressive, in seconds. They even help cancel your old policy once you’ve made your pick.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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