Does home insurance cover water damage?

I have an HO-2 policy. A pipe burst in my house. Can I submit a claim?

Answer
HO-2 policies are insured on a named perils basis. This means that your insurance will only cover damage from 16 named perils. Anything else is excluded. In your case, a pipe bursting would qualify as accidental discharge of water and your insurance would cover the claim.
Understanding covered named perils in an HO-2 policy is also beneficial for future claims. The named perils include:
  • Lightning
  • Fire
  • Wind
  • Hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Volcanic Eruption
  • Theft
  • Vandalism
  • Falling objects
  • Weight of ice, snow, or sleet
  • Accidental discharge of water or steam
  • Accidental tearing, burning, cracking, or bulging of HVAC
  • Freezing
  • Damage from artificially generated electrical current
If the water damage had been from something else, the claim would likely be denied. Water damage, as well as flooding, is excluded on home insurance policies. Effects of water damage are also excluded, like mold and wet rot.
To be sure you can submit a claim, you can always look over your policy terms and conditions or contact an agent directly, just like you would with car insurance claims.
If you’re worried about future claims on your home or auto insurance, Jerry can help. Download the app today to compare rates from dozens of insurers in just a few minutes.”
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Emily Maracle
Answered on Sep 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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