Does home insurance cover water softener and water reverse-osmosis systems?

"I’m looking into buying water softener and reverse-osmosis systems for my two properties to improve the quality of the water. If I go ahead with these purchases, will they be covered by home insurance?

"

Answer
“Generally speaking, your insurance company covers damage from a covered loss unless it’s excluded under the policy, though deductibles and coverage limits do apply. If your water systems fail due to age, breakdown from wear and tear, or maintenance issues, this would not be a covered loss.
Be aware that you may be covered by manufacturer’s warranties, plus many insurance companies offer breakdown insurance for appliances built into your home such as water systems. “
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Shannon Martin
Answered on Apr 07, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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