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Does home insurance cover water leak damage?

My water heater ruptured and now the surrounding drywall needs to be replaced. Does home insurance cover water leak damage?

avatar
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about your water heater and the drywall—that sounds stressful.
Home insurance
 should cover water leak damage as long as the leak was caused by a sudden, unexpected event. Home insurance covers damages resulting from
named perils
, including sudden discharge of water from an appliance.
As long as your water heater did not rupture due to neglect or lack of maintenance, it should be covered by your policy.
Two main types of coverage found in your homeowners policy can help cover water leak damage:
  • Personal property coverage: covers damage to your personal belongings
  • Dwelling coverage: covers damage to the house itself
Exclusions will depend on your policy, but the following perils are typically excluded from homeowners coverage:
  • Unresolved or neglected maintenance
  • Flooding
  • Sewer or drain back up
If you’re in the market for a better home insurance policy, just use
Jerry
. The Jerry app can generate competitive quotes from top insurance companies in less than a minute and help you make an easy in-app switch.
MORE:
Does homeowners insurance cover leaky plumbing joints and seals?
Homeowners InsuranceHome Insurance
View full answer 
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