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?

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Shannon Martin
Answered on Apr 07, 2021
“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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